No normal person loves paying for auto insurance, especially when they know the prices are way too high.
Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate possible.
The majority of larger companies such as State Farm, Allstate and GEICO allow you to get insurance quotes direct online. Getting quotes doesn’t take a lot of time as you simply enter your coverage preferences as detailed in the form. After you submit the form the quote system requests your driving record and credit report and quotes a price based on the information you submitted. Online price quotes makes it a lot easier to compare rates but the work required to visit several different sites and enter the same data into a form can be a bit repetitive. But it’s also necessary to compare as many rates as possible in order to get better prices.
The easy way to compare rates
A less time-consuming method to lower your rates makes use of a single form that analyzes rates from several different companies. This type of form saves time, requires less work, and makes quoting online much simpler. After your information is entered, your coverage is rated with multiple companies and you can pick any or none of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the policy. This process only takes a few minutes and may result in a nice savings.
To quickly compare rates now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you copy your coverages as shown on your current policy. This way, you are getting an apples-to-apples comparison for similar coverage.
Properly insuring your vehicles can get expensive, but you may qualify for discounts that could help you make your next renewal payment. Some of these disounts will be visible at quote time, but a few need to be asked about before you get the savings.
Just know that some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, you’re out of luck.
To choose companies that offer multiple discounts, click this link.
When choosing the best insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, nursing services, doctor visits, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims like bail bonds, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as large an amount as possible.
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from flooding, a broken windshield and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like driving through your garage door, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.