Are you at wits end from scraping the payment together to keep your car insured? You have the same problem as many other drivers. Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest price
Most companies such as State Farm, Allstate and GEICO provide prices for coverage on their websites. Comparing prices online can be done by anyone as you just type in the coverage amounts you desire into a form. When complete, the system automatically retrieves your driving and credit reports and returns a price based on many factors. This streamlines rate comparisons, but the process of having to visit multiple sites and fill out multiple forms is monotonous and tiresome. But it’s necessary to perform this step in order to find the lowest possible prices on car insurance.
The smarter way to get multiple rate quotes uses one form to return rates from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending the form, it is quoted and you can choose your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.
If you want to find out how much you’re overpaying now, click here and complete the simple form. To compare your current rates, we recommend you replicate the coverage information identical to your current policy. This guarantees you’re receiving an apples-to-apples comparison for the exact same coverage.
Some insurers don’t always advertise all possible discounts very clearly, so we researched both well-publicized as well as the least known discounts you could be receiving when you buy auto insurance online. If you are not receiving all the discounts possible, you may be paying too high a price.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.
Auto insurance companies who may offer many of the previously listed discounts are:
When quoting, ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts may not be available in your area. If you would like to view insurers who offer discounts, click this link.
When it comes to buying adequate coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine if your insurance needs may require specific advice.
If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.
Understanding the coverages of car insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.
Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like colliding with a tree, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Liability insurance – Liability insurance provides protection from damage or injury you incur to a person or their property by causing 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, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for claims such as pain and suffering, emergency aid, court costs, medical expenses and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.
Uninsured or underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like rock chips in glass, a tree branch falling on your vehicle, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the 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 for pain medications, X-ray expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay