Nobody that owns a car gets a kick out of paying for insurance, especially when they know the price is too high. Due to the abundance of online and local companies to choose from, it can be hard to locate the best insurance company.
Most companies give price estimates online. Comparing rates online is possible for anyone because you just enter the amount of coverage you want into the form. When complete, their system orders reports for credit and driving violations and provides a quote determined by many factors. Online price quotes makes comparing rates easy, but the process of having to visit a lot of sites and type in the same data gets old quite quickly. But it’s necessary to do this in order to find better prices.
Online rates the easy way
The preferred way to compare car insurance pricing uses one simple form that obtains quotes from many companies. The form is fast, eliminates repetitive work, and makes online quotes a lot less work. After sending the form, it gets priced and you are able to buy your choice of the pricing results. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.
In order to find out how much you can save on car insurance, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you type in your coverages exactly as shown on your declarations page. This way, you will have comparison quotes using the exact same coverages.
Some insurers don’t list the entire discount list very well, so the below list has some of the best known as well as some of the hidden credits available to you.
As a footnote on discounts, most credits do not apply to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.
To see a list of insurance companies with discount insurance coverage rates, click this link.
When buying the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover whether your personal situation would benefit from professional advice.
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Having a good grasp of auto insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.
Liability auto insurance – Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as repair costs for stationary objects, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
Insurance for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like nursing services, X-ray expenses, prosthetic devices, doctor visits and pain medications. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. 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 is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like theft, a tree branch falling on your vehicle and hitting a bird. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision – This coverage pays for damage to your Explorer resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Ford Explorer.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.