Expensive car insurance can stress out your monthly budget and make it hard to pay other bills.
Due to the increasing number of insurance companies to choose from, it can be impossible to choose the cheapest car insurance company.
Most companies allow you to get coverage prices online. The process doesn’t take a lot of time because you just enter on the page. Once entered, the quote system will order credit information and your driving record and quotes a price based on the data you entered. Being able to quote online simplifies rate comparisons, but the time required to go to many different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you want to get the lowest price.
A less time-consuming method to lower your rates makes use of a single form to obtain quotes from several companies at one time. The form is fast, requires less work, and makes quoting online a little more enjoyable. As soon as you send your information, it is rated and you are able to buy any or none of the quotes returned.
If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.
In order to compare pricing, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter the coverage information identical to your current policy. Using the same limits helps guarantee you are getting a price comparison for similar coverage.
When choosing the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.
Having a good grasp of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most auto insurance policies.
This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things like attorney fees, medical services and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for medical payments and/or PIP reimburse you for bills for things like pain medications, ambulance fees, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.
This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 2500.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.