Are you tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other consumers. Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute best rates possible.
If you have insurance now or are looking for a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers just need to learn the proper methods to find the lowest price online.
Getting cheap 2009 Volkswagen GTI auto insurance pricing is an easy way to save money. Drivers just need to spend a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by using one of the methods below.
To view a list of companies in your area, click here.
How you compare quotes is your choice, just be sure you’re using the same information for each quote you get. If the quotes have differing limits it will be impossible to make an equal comparison.
When choosing coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and 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 provide invaluable advice.
Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.
Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like rolling your car, backing into a parked car, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.
Comprehensive insurance – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like fire damage, rock chips in glass and damage from a tornado or hurricane. The maximum amount a car 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.
Liability coverages – Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like attorney fees, medical expenses, pain and suffering and bail bonds. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, doctor visits and dental work. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage