If you’ve never shopped for auto insurance quotes online, most likely you are overwhelmed by the vast assortment of companies all promising to save you money.
The majority of larger companies make it easy to get insurance quotes from their websites. Doing online price comparisons doesn’t take much effort as all you need to do is type in your personal and coverage information into the quote form. After you submit the form their quoting system pulls credit information and your driving record and quotes a price based on these factors.
This helps simplify price comparisons, but the process of having to visit a lot of sites and fill out multiple forms is a waste of time. But it’s absolutely necessary to get many rate quotes if you want to get a lower rate.
A more efficient way to locate the lowest prices requires only one form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier to do. After sending your information, it is rated and you can select any of the pricing results.
If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and may result in a nice savings.
If you want to use this form to compare rates, click here to open in new window and submit the form. To compare your current rates, we recommend that you enter exactly as shown on your declarations page. This makes sure you will have rate comparison quotes using the exact same coverages.
Companies don’t necessarily list every discount in a way that’s easy to find, so the below list has some of the more common and the more hidden savings tricks you should be using when you buy auto insurance online. If you do not double check each discount you deserve, you are not getting the best rate possible.
Don’t be shocked that some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts should help lower your policy premiums.
Auto insurance companies who may offer some of the above discounts possibly include:
Before purchasing a policy, check with every company to apply every possible discount. Discounts may not be offered in every state. To see a list of insurance companies who offer discounts, click this link.
An important part of buying insurance is that you know some of the factors that aid in calculating insurance rates. When you know what positively or negatively determines base rates, this enables informed choices that can earn you lower premium levels.
The items below are some of the most rate-impacting factors companies use to determine prices.
When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.
For example, these questions might help in determining if your situation would benefit from professional advice.
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.
Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical payments and Personal Injury Protection insurance provide coverage for expenses for pain medications, doctor visits and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible
This can cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability can pay for things such as bail bonds, court costs, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.
Collision insurance covers damage to your E-350 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Ford E-350.
Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.
We just covered a lot of information how to shop for 1993 Ford E-350 insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from an unexpected company.
Low-cost 1993 Ford E-350 insurance can be found on the web and from local agencies, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional carriers provide coverage only through independent agents.
Consumers change insurance companies for a variety of reasons including poor customer service, delays in paying claims, policy non-renewal or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company can be easier than you think.