Are you frustrated by the number of auto insurance providers that you can choose from? Lot’s of other drivers are too. Consumers have so many providers available that it can really be a difficult situation to find lower prices.
If you have car insurance now, you will be able to save some money using this information. Locating the lowest cost insurance coverage coverage is quite easy. But drivers do need to understand the way insurance companies compete online and use this information to your advantage.
All major car insurance companies such as Progressive, Allstate and GEICO provide price estimates on their websites. Getting online rates is quite easy because you just enter your coverage preferences on the page. Upon sending the form, the quote system will obtain information on your driving record and credit history and returns a price quote.
This streamlines rate comparisons, but the time required to go to multiple sites and type in the same data is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you want to get the lowest possible prices on car insurance.
Online rates the easy way
The quickest way to compare rates makes use of a single form to return rates from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes comparison shopping a lot less work. After your information is entered, it is quoted and you can select any or none of the resulting price quotes.
If a lower price is quoted, you can simply submit the application and purchase the new policy. It only takes a few minutes and you’ll know if lower rates are available.
To compare rates now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter coverages and limits identical to your current policy. Using the same limits helps guarantee you will have a fair comparison using the exact same coverages.
When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.
Here are some questions about coverages that could help you determine whether you will benefit from professional help.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.
Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers 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 important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like X-ray expenses, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability insurance provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have 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. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for claims like legal defense fees, bail bonds, structural damage and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Collision coverage covers damage to your Sierra 3500 Classic resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to bring the cost down.