Want lower insurance coverage rates for your Volkswagen Beetle? Did a good deal turn out to be an expensive insurance coverage policy? You’re in good company because there are a lot of people just like you who feel imprisoned by their insurance coverage policy.
You have so many insurers to choose from, and though it is a good thing to have multiple companies, so many choices can make it hard to get the best deal.
Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to save some money using this information. Although consumers do need to understand how companies sell insurance online and apply this information to your search.
Most larger insurance companies like Progressive, Geico, Allstate and State Farm allow you to get coverage price quotes directly from their websites. Doing online price comparisons is quite simple as you simply type in on the page. Behind the scenes, their system obtains your driving and credit reports and returns pricing information. This makes comparing rates easy, but having to visit many different websites and type in your information can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you want to get better car insurance pricing.
The smarter way to find cheaper rates uses one form that gets price quotes from many companies. It’s a real time-saver, reduces the work, and makes online quotes much simpler. Immediately after you send the form, your coverage is rated and you can select any one of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.
To quickly find out if lower rates are available, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you input the insurance coverages as shown on your current policy. Doing this guarantees you are getting a rate comparison for similar coverage.
Companies that sell car insurance do not advertise every disount available in an easy-to-find place, so the following is a list of both the well known as well as the least known credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.
You can save money using discounts, but most credits do not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.
Some companies that may include these money-saving discounts include:
When comparing rates, check with each company or agent the best way to save money. Some credits may not be available in your area. To see companies with the best discounts, click here to view.
When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might help in determining whether or not you could use an agent’s help.
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.
Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like vandalism, hail damage, hitting a deer, damage from flooding and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as scraping a guard rail, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.
Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Medical expense coverage – Med pay and PIP coverage provide coverage for immediate expenses for things like hospital visits, ambulance fees and funeral costs. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Liability – This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things such as funeral expenses, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.