Sick and tired of scraping nickels together to pay your auto insurance bill each month? You are in the same boat as many other drivers.
Due to the increasing number of different company options, it’s nearly impossible to pick a lower cost insurance company.
There are a variety of methods to compare car insurance prices but one way is less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you can utilize online quoting to quickly compare rates.
Most of the best insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company provides a quote determined by their information. This saves time by eliminating quote forms to every company.
To compare pricing click here to open in new window.
The only drawback to doing it this way is you cannot specify which companies you want pricing from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.
It’s your choice how you get your quotes, but make darn sure you compare nearly identical quote data for every company. If you use different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Having just a slight variation in insurance coverages could throw off the whole comparison. And when comparison shopping, getting more free quotes helps you find better pricing. Not every company does prices over the internet, so it’s important to compare rates from them, too.
Some companies don’t list the complete list of policy discounts in an easy-to-find place, so the following list contains both well-publicized and the harder-to-find discounts you could be receiving when you buy car insurance online.
Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.
A list of companies and their possible discounts are outlined below.
Before you buy a policy, ask each company the best way to save money. Some discounts may not apply to policies in every state. If you would like to see a list of companies with significant discounts, click here.
Many things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are more obscure like your vehicle usage or how safe your car is.
When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you might need professional guidance.
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
Progressive, Allstate and Geico continually stream ads on television and other media. They all make the same claim about saving some big amount if you move your insurance coverage policy to them. How does each company offer drivers better rates? Here is how they do it.
Insurance coverage companies have a certain “appetite” for the type of driver that earns them the highest profit. A good example of this type of driver may be a mature driver, has never had a claim, and has a short commute. Any new insured who fits those characteristics will probably get cheap car insurance rates and will most likely cut their rates substantially.
People who may not quite match these stringent criteria may be required to pay more expensive rates and this results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can state the savings.
Each company has different criteria, so drivers should get car insurance quotes from several different companies. Because you cannot predict which insurance coverage company will provide the lowest car insurance rates.
Understanding the coverages of auto insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, rock chips in glass, damage from a tornado or hurricane and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
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. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things like court costs, funeral expenses, medical expenses, medical services and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible.
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, rehabilitation expenses, dental work and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Collision coverage covers damage to your MDX resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for claims such as hitting a mailbox, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.
This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Acura MDX.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.
When shopping online for auto insurance, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that they should have had better coverage. The goal is to get the best coverage possible for the lowest price.
We covered many ideas to reduce 2013 Acura MDX insurance rates online. The key thing to remember is the more times you quote, the higher your chance of finding cheap car insurance. You may even discover the best rates are with some of the smallest insurance companies. These companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm and Allstate.
I’m in the west part of Seattle, Washington. Quoted rates from AAA, Nationwide, and Travelers for my MDX and saved $325 a year. Just waiting to see how claims go.
Just my two cents. Checking in from Greensboro, NC. Quoted quotes with Travelers, AIG Insurance, Liberty Mutual, and Mercury for my MDX and I think I cut my rates about $20 each month. Left American Family to switch. I used their online quote form to compare rates.
If you don’t have tickets and live in the vicinity of Kansas City, KS, check out Allstate. You might get cheaper rates. Left Erie to switch. Teenage drivers are expensive! It was easy to get rates.
Does Georgia have minimum liability requirements?
Enjoyed the article. From east side of Parkersburg, West Virginia. Went online for free insurance quotes for a 2013 Acura MDX. Ended up at about $190 savings annually. Went with State Farm. Was with Hartford. Switched homeowners coverage too.
From a town just southwest of Dallas, TX. Got prices from American Family, Farmers, and MetLife for my 2013 Acura MDX and I’m now saving $15 a month. Left Allstate to switch. I get lower rates because of my clean driving record.
I can’t pay high rates. I live south of Houston, TX. I compared lots of rates. Saved roughly $70 a month. State Farm was the cheapest option for me. A clean driving record helps. LOL
From West Valley City, UT. I got free quotes with Amica, Sentry, and some smaller one I can’t remember the name of for my Acura and saved $280 a year. I get multi-vehicle and multi-policy discounts. Not sure if rates are cheaper online or not.
I chose to switch to 21st Century from Amica. I live in Tucson, AZ. Ask about discounts.
I’m in Los Angeles, California, and 21st Century rates were affordable. Insured with AAA before. I have a teen driver too. :)
What are minimum liability limits required in Wisconsin?
Checking in from Springfield, MA. Received quotes with USAA, Amica, Hanover, and Sentry for my Acura and I’m now saving $53 a month. Left Auto-Owners to switch.
I got quite a few price quotes for a 2013 Acura MDX in Salem, OR. Ended up at roughly $570 every six months with Amica. I even had a DUI years ago. It’s easy to compare rates online now.