If shopping for car insurance quotes online is new to you, there’s a good chance you are bewildered thanks to the incredible selection local agents and online companies who all claim to have the lowest rates.
The best way we recommend to get rate comparisons is to know the trick all the major auto insurance companies provide online access to quote your coverage. To start a quote, the only thing you need to do is give the companies some data such as driver ages, the make and model of your vehicles, if you are currently licensed, and whether the vehicles are used for commuting. That rating data gets sent immediately to multiple top-rated companies and you will get price comparisons instantly to find the best rate.
When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions could help you determine if you could use an agent’s help.
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 insurance agent. To find lower rates from a local agent, simply complete this short form.
Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like rock chips in glass, hitting a bird, damage from getting keyed and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability coverage provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability coverage protects against things such as medical services, loss of income and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.
Collision coverage will pay to fix damage to your A4 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi A4.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like X-ray expenses, hospital visits, surgery and chiropractic care. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage