Are you irritated from trying to scrape together enough money to pay car insurance each month? Your situation is no different than many other vehicle owners. Vehicle owners have so many car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to find the lowest rates.
Most major insurance companies such as Allstate and Progressive make it easy to get price estimates direct online. Comparing rates online is quite simple because it’s just a matter of typing in the coverages you want as detailed in the form. When complete, their rating system requests your driving record and credit report and returns pricing information determined by many factors. Online quotes makes it simple to compare prices but the time it takes to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s also necessary to get many rate quotes in order to find the lowest car insurance rates.
There is a better way!
An easier way to lower your rates makes use of a single form to obtain quotes from several different companies. The form is fast, requires much less work on your part, and makes rate comparisons much easier. Immediately after you send the form, it is rated and you are able to buy any of the price quotes you receive. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.
If you want to get comparison pricing now, click here and enter your information. If you have your current policy handy, we recommend you input deductibles and limits exactly as they are listed on your policy. This makes sure you will get a fair comparison for the exact same coverage.
Some insurers do not advertise every disount available in an easy-to-find place, so the below list has both the well known as well as the least known credits available to bring down your rates.
As is typical with insurance, most discounts do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn’t stay in business.
Popular car insurance companies and their possible discounts are detailed below.
Before you buy a policy, ask every company the best way to save money. Depending on the company, some discounts may not apply to policyholders in your area. To see insurance companies that offer multiple discounts, click here.
When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.
Uninsured or underinsured coverage – This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like rock chips in glass, hail damage, damage from getting keyed, a broken windshield and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverage – Collision coverage covers damage to your Blazer caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.
Liability – Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for claims like funeral expenses, repair costs for stationary objects, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like ambulance fees, rehabilitation expenses, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Eddie Clayton
Cheaper not always better. Live in Minneapolis, Minnesota. Got car insurance prices from Liberty Mutual, AIG Insurance, Safeco, and a couple others for my 1995 Chevrolet Blazer and am saving around $100 a year. Was with State Farm. Thankfully I have a good driving record. It never hurts to quote around.
Columbus Howell
Will 21st Century raise rates for a windshield claim?
Lester Hatfield
I think I’m paying too much. Checking in from Kansas City, MO. Quoted quotes from GEICO, Erie, and Liberty Mutual for my Chevrolet and cut my rates about $110 a year. Got better coverage too.
Chung Humphrey
It all costs too much. I’m just west of New York City, NY. I got free rates from GEICO, Erie, and GMAC for my 1995 Chevrolet Blazer and I think I saved around $20 each month. Have an at-fault accident tho. Can still barely afford it.
Solomon Barlow
Will GEICO cancel me if I have an accident?
Sherita Poole
Is Progressive cheaper than AIG Insurance in Concord, NH?
Nancy Zimmerman
Cheap is relative. I’m in the suburbs of Boise, ID. Quoted with Progressive, AAA, and Encompass for my Blazer and saved just over $110 a year. Ask about discounts. It’s still not cheap enough.
Ignacio Moore
I live just outside Springfield, MA. I got free prices from Allstate, Esurance, and The General for my Chevrolet and I think I cut my rates about $20 each month. I’m a pretty good driver though. I don’t have comp or collision coverage.
Georgene Stark
If you have a clean record and live near Aurora, IL, check out State Farm. They seem to be cheaper. BTW speeding tickets are not good. Are quotes cheaper online?
Billye Carpenter
Well-written and thought out article. Proud to be from Milwaukee, WI. I don’t recall every quote but I ended up saving about $10 each month. Insured with Amica before. Even increased my liability limits. Still almost need a second mortgage. Just liability coverage since it’s getting old.
Aimee Potts
I live on the north side of Owensboro, KY. Compared rates from a lot of places. Saved darn near $30 a month. GEICO was the cheapest for me.