Are you tired of trying to scrape together enough money to make your insurance payment? You’re in the same situation as many other vehicle owners. Due to the large number of choices of insurance companies, it can be impossible to pick the most cost effective insurer.
It is always a good idea to compare rates before your next renewal because insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates for 3 Series insurance on your last policy there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to properly buy coverages while reducing your premium.
Car insurance is not an enjoyable expense, but there could be available discounts that can dramatically reduce your bill. Certain credits will be shown at the time of quoting, but some discounts are required to be specifically requested before you will receive the discount. If they aren’t giving you every credit possible, you are throwing money away.
You should keep in mind that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, companies don’t profit that way.
Large car insurance companies and their possible discounts are:
Before you buy a policy, ask all companies you are considering how many discounts you can get. A few discounts may not be available in your area. If you would like to see a list of insurance companies who offer car insurance discounts, follow this link.
Many insurance companies like State Farm and Allstate provide coverage price quotes online. Obtaining pricing doesn’t take a lot of time as you just enter your required coverages as detailed in the form. When the form is submitted, the system makes automated requests for your driving record and credit report and gives you a price quote based on these and other factors. Being able to quote online makes comparing rates easy, but the work required to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s very important to perform this step if you want to get the lowest price.
The easy way to compare rates
The easiest way to compare car insurance pricing uses just one form to return rates from several different companies. This type of form saves time, eliminates form submissions, and makes comparison shopping much easier. After your information is entered, your coverage is rated and you can select any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and may result in a nice savings.
To quickly find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you type in just like they are on your policy. Using the same limits helps guarantee you are getting a fair comparison using the same coverage and limits.
When buying the best auto insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help you determine whether your personal situation would benefit from professional advice.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.
Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.
Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees and court costs. How much coverage you buy is your choice, but buy higher limits if possible.
This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as fire damage, damage from a tornado or hurricane, damage from getting keyed and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your BMW 3 Series.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Coverage for medical payments and/or PIP pay for bills for things like prosthetic devices, chiropractic care, pain medications, nursing services and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
This will pay to fix damage to your 3 Series resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb, driving through your garage door, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.
Cheaper car insurance is attainable on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and most of the time these small, regional companies prefer to sell through independent agencies.
When getting auto insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. The proper strategy is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
Additional information is available at the links below