Are you at wits end from robbing Peter to pay Paul to pay your auto insurance bill each month? You’re in the same situation as many other consumers. Numerous auto insurance companies battle to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the best price available.
It’s important to quote other rates quite often because rates trend upward over time. Even if you think you had the best premium rates for Lancer coverage a couple years back you will most likely find a better price today. Forget all the misinformation about auto insurance because you’re going to learn the tricks you need to know to remove unneeded coverages and save money.
All the larger auto insurance companies allow you to get prices for coverage on their websites. Comparing rates online is quite easy as you simply enter the coverage amounts you desire as detailed in the form. When complete, their rating system requests your credit score and driving record and generates a price determined by many factors. Quoting online helps simplify price comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is a big time waster. But it is imperative to compare as many rates as possible if you are searching for a lower rate.
The preferred way to compare rates utilizes a single form to return rates from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much more efficient. After sending the form, it is quoted and you can choose any of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process just takes a couple of minutes and could lower your rates considerably.
In order to fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate the coverages as shown on your current policy. This helps ensure you will get a price comparison using the same coverage and limits.
Some providers don’t always list the entire discount list very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using when you buy insurance coverage online.
Remember that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.
To view insurance coverage companies who offer discounts, click this link.
When buying the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might point out if you might need an agent’s assistance.
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.
This can cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like attorney fees, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Lancer.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
This pays for damage to your Lancer from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as scraping a guard rail, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, 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.
Comprehensive car insurance
This pays for 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 protects against claims such as rock chips in glass, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, nursing services, X-ray expenses, pain medications and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Does GEICO insure after a DUI?
If you have a good history and are close to Burlington, VT, check out State Farm. They seem to be cheaper. I have a teen driver too.
In Sioux Falls, South Dakota compare Allstate with Progressive and see which is best.
Located in Springfield, MA. Received quotes from Progressive, Hartford, and Erie for my 2016 Mitsubishi Lancer and saved just over $330 a year.
I’m looking for cheaper coverage. Live in the northern part of Henderson, NV. Quoted a bunch of companies. Saved about $70 a month. State Farm was the most affordable for me. Teenage drivers are expensive!
I’m in the north part of Portland, OR. Not sure of all the companies but I ended up saving about $30 each month. It was easy to get rates.
From south side of Charlotte, NC. Received quotes with American Family, Farmers, and Nationwide for my Lancer and saved just over $160 a year. Was with 21st Century. Did it all online.
Like your site, BTW. Proud to be from Charleston, WV. I quoted with Amica, Nationwide, and some smaller one I can’t remember the name of for my Mitsubishi and saved $552 a year. Teenage drivers are expensive!