Do you get confused by the sheer number of auto insurance choices that you can choose from? Many other people are too. There are so many choices to choose from that it can quickly become a difficult mission to find better premium rates.
It’s smart to price shop coverage once or twice a year because auto insurance prices go up and down regularly. If you had the best deal for ActiveHybrid 5 coverage on your last policy you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you how to use the internet to save on auto insurance.
Many insurance companies such as State Farm and Allstate allow you to get prices directly from their websites. Getting prices online is quite simple as you simply type in your coverage information on the page. Once you submit the form, the system will obtain your driving record and credit report and generates a price determined by many factors.
Online price quotes makes it simple to compare prices but the process of having to visit many different websites and enter the same data into a form is monotonous and tiresome. But it’s necessary to get many rate quotes if you want to find the best price on insurance.
There is a better way!
A quicker way to compare insurance pricing requires only one form to return rates from a lot of companies. It saves time, eliminates form submissions, and makes quoting online a lot less work. After your information is entered, it is rated and you can select any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.
To compare rates now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend that you enter your coverages exactly as they are listed on your policy. This helps ensure you’re receiving rate comparison quotes for similar insurance coverage.
When choosing adequate coverage, there is no perfect coverage plan. Every situation is different.
For instance, these questions can help discover if your situation might need professional guidance.
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.
Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive protection – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as a tree branch falling on your vehicle, falling objects and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses like surgery, hospital visits, prosthetic devices and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Collision coverages – Collision insurance will pay to fix damage to your ActiveHybrid 5 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Uninsured or underinsured coverage – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your BMW ActiveHybrid 5.
Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Liability insurance – This coverage will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability insurance covers claims such as bail bonds, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
IT’S ALL TOO EXPENSIVE! From a town just southwest of South Burlington, VT. I quoted with USAA, AAA, Liberty Mutual, and Mercury for my 2012 BMW ActiveHybrid 5 and I think I saved around $40 each month. I even had a DUI years ago.
I’ve bought from Progressive forever. Cheapest rates in Wilmington, DE.
Progressive and Allstate were both pretty cheap in Reno, NV.
Anyone know if State Farm does SR-22s?
Does Massachusetts require liability coverage?
Where is cheaper car insurance? I’m in the south part of Portland, OR. Received prices from Progressive, Hanover, and Farmers for my ActiveHybrid 5 and saved just over $120 a year. A clean driving record helps.
If you have a clean record and live around Newark, NJ, check out Progressive. They seem to be cheaper.
Corporate greed I’m telling you. Found cheapest coverage with Farmers for my BMW and am saving around $360 a year. Left Mercury to switch. BTW speeding tickets are not good. LOL
Enjoyed the article. I’m just south of Fargo, North Dakota. Got car insurance quotes from Auto-Owners, Erie, and Nationwide for my 2012 BMW ActiveHybrid 5 and saved just over $540 a year. I have kids on my policy, too.
Live in Augusta, GA. Got quotes with Nationwide, Encompass, Progressive, and Amica for my BMW and I’m now saving $62 a month. Insured with Esurance before. I increased coverages a little too. God forbid I actually have a claim.
Too expensive. I ride a bike.