Having to pay for pricey car insurance can bleed your checking account and possibly require you to analyze your spending habits. Comparing cost estimates is a fast and free way to tighten up your finances.
There is such a variety of auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, more choices can make it harder to adequately compare rates.
All major insurance coverage companies like Progressive, Allstate and GEICO provide pricing online. Getting online quotes is easy for anyone as you simply type in on the page. After you submit the form their quoting system collects your driving record and credit report and generates a price based on many factors. Online price estimates makes it a lot easier to compare rates but the process of having to visit a lot of sites and enter the same data into a form is a big time waster. But it’s very important to compare as many rates as possible if you want to find better insurance coverage pricing.
There is a better way!
A better way to compare rates is to use a quote form to obtain quotes from a lot of companies. The form is fast, eliminates repetitive work, and makes online price comparison much more efficient. As soon as the form is sent, your coverage is rated and you are able to buy any or none of the quotes returned. If the quotes result in lower rates, you can click and sign and purchase coverage. It only takes a few minutes and may result in a nice savings.
To find out if lower rates are available, click here and enter your information. If you currently have coverage, we recommend you duplicate coverages and limits as shown on your current policy. This makes sure you are getting comparison quotes based on the exact same insurance coverage.
When buying the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions might point out if your situation would benefit from an agent’s advice.
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Having a good grasp of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Nissan NV200.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Collision coverage protection
Collision coverage pays for damage to your NV200 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, nursing services and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Liability insurance will cover damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of 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 values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.
Liability insurance covers things like medical services, court costs, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.
Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as theft, a broken windshield, damage from getting keyed, hitting a deer and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.