Getting affordable auto insurance can appear to be somewhat intimidating for drivers not familiar with comparing prices on the internet. With such a large choice of insurers available, how can drivers possibly compare every one to find cheaper auto insurance rates?
Many things are taken into consideration when quoting car insurance. Most are fairly basic such as traffic violations, but some are not quite as obvious such as your marital status or your vehicle rating.
Car insurance can cost a lot, but you may be missing some discounts that may help make it more affordable. Larger premium reductions will be automatically applied at quote time, but a few must be asked about before you will receive the discount.
A quick disclaimer, most credits do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
Companies and a summarized list of policyholder discounts are outlined below.
If you need cheap car insurance quotes, ask each insurance company which discounts you qualify for. All car insurance discounts may not apply in every state. For a list of companies who offer cheap auto insurance quotes, click here to view.
When choosing adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique.
Here are some questions about coverages that might point out if you could use an agent’s help.
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.
Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.
Auto liability
This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like repair costs for stationary objects, structural damage, funeral expenses, attorney fees and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.
Comprehensive insurance
Comprehensive insurance will pay to fix 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 coverage pays for claims like damage from flooding, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2010 Nissan Titan.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, pain medications and ambulance fees. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Collision insurance
This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like backing into a parked car, colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
People switch companies for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, poor customer service or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.
When getting car insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.
We just showed you a lot of techniques to shop for 2010 Nissan Titan insurance online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.
Margurite Farmer
I chose to switch to Allstate from American Family. I live in Providence, RI. BTW speeding tickets are not good. I just quoted rates online.
Caitlin Wilkerson
I got a good deal I think. I’m from Memphis, TN. Compared rates from a lot of places. Saved right around $50 a month. GEICO was the cheapest for me.
Wanita Solomon
Like your site, BTW. I live on the north side of Nashville, TN. I quoted with Amica, Erie, and Mercury for my Nissan and saved around $210 a year. I get multi-vehicle and multi-policy discounts.
Jacqualine Watson
I’m in Atlanta, GA, and State Farm rates were affordable. My new agent seems to be really good.
Clemente Allison
I live just to the west of Dover, DE. Got free quotes online for a 2010 Nissan Titan. Ended up at about $540 savings annually. Went with 21st Century. God forbid I actually have a claim.
Fay Clark
I’m in Portland, ME. Checked online prices for a 2010 Nissan Titan. Ended up at about $200 savings annually. Went with GEICO. I got a quote from their website.
Louetta Boone
I’m in the suburbs of Honolulu, HI. Compared quite a few companies. Saved roughly $40 a month. GEICO was the most affordable for me. I have a teen driver too.
Tomeka Adams
I got decent rates for a 2010 Nissan Titan in Providence, RI. Ended up at about $290 every six months with American Family. Was with Allstate. Moved home policy as well.
Lana Bender
I live on the south side of Virginia Beach, VA. Checked online prices for a 2010 Nissan Titan. Ended up at about $450 savings annually. Went with Progressive.
Romelia Tran
Checking in from Cincinnati, OH. I got free quotes from Nationwide, Esurance, State Farm, and Auto-Owners for my 2010 Nissan Titan and I think I saved about $60 each month. Left Eastwood to switch. Still almost need a second mortgage.
Misha Dudley
Cheap is relative. Checking in from Virginia Beach, VA. Got car insurance rates from Auto-Owners, Safeco, and a few others for my 2010 Nissan Titan and saved about $570 a year. Hopefully won’t need it. Bought it from an online quote.