Did you make the mistake of buying an overpriced insurance policy? It’s quite common and many drivers have buyer’s remorse.
There is such a variety of insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more difficult to compare rates.
All major insurance companies like State Farm, GEICO and Progressive give pricing on their websites. The process is fairly straightforward as you simply type in the amount of coverage you want as requested by the quote form. Upon sending the form, their quoting system collects your driving and credit reports and returns pricing information determined by many factors. Online quotes streamlines rate comparisons, but the time required to go to different websites and complete many quote forms gets old quite quickly. But it is imperative to perform this step if you want to find the lowest insurance rates.
Isn’t there an easier way to compare rates?
The easiest way to get multiple rate quotes makes use of a single form to return rates from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online quotes much simpler. After sending the form, your coverage is rated and you are able to buy any of the price quotes you receive.
If a lower price is quoted, you simply finish the application and purchase the new policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.
To fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you replicate exactly as they are listed on your policy. Using the same limits helps guarantee you will get a fair comparison using the exact same coverages.
Auto insurance is not cheap nor is it fun to buy but there may be some discounts that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but some need to be specifically requested in order for you to get them.
You can save money using discounts, but most credits do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
A few of the larger companies and the discounts they provide are included below.
If you want cheaper car insurance quotes, ask all the companies what discounts are available to you. Savings might not be offered in your area.
Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious like your driving record, although some other factors are more transparent like your continuous coverage or how financially stable you are.The best way to find cheaper auto insurance is to take a look at the factors that are used to determine your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that will entitle you to big savings.
When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Big name companies like State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. All the ads try to convey promises that you can save if you change your insurance coverage policy to them. How does each company offer you a better deal? It’s all in the words they use.
All companies require specific criteria for the driver that will add to their bottom line. For instance, this type of risk profile might be described as over age 30, has no claims, and has great credit. Anyone that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.
Potential customers who don’t meet these standards will be quoted higher premium rates and the customer buying from a different company. The ads state “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can claim big savings.
Because each company has a different risk profile, you need to compare free car insurance quotes often. It is impossible to guess which insurance coverage company will give you the biggest savings.
Understanding the coverages of your car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most car insurance policies.
Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like hitting a deer, rock chips in glass and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments – Med pay and PIP coverage kick in for bills for hospital visits, surgery, prosthetic devices and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Auto liability – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for things such as medical expenses, medical services, court costs, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.
Collision – Collision coverage covers damage to your Crown Victoria resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like crashing into a ditch, hitting a parking meter, scraping a guard rail and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.
We covered a lot of techniques to get a better price on 2008 Ford Crown Victoria insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding cheap car insurance. Consumers may even find the best price on auto insurance is with an unexpected company. Regional companies can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.
Lower-priced 2008 Ford Crown Victoria insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not have internet price quotes and these regional carriers only sell through local independent agencies.
While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In many instances, an insured dropped liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.