Paying cheap coverage rates for car insurance is quite difficult for drivers who are beginners to comparison shopping online. There are so many options available that it can quickly become a real challenge to locate the lowest coverage rates.
Many insurance companies such as Allstate and Progressive allow consumers to get prices for coverage directly from their websites. Obtaining pricing is quite easy as you just enter the amount of coverage you want as requested by the quote form. Behind the scenes, the quote system sends out for your driving and credit reports and gives you a price quote based on the data you entered.
Quoting online streamlines rate comparisons, but having to visit each company’s website and repetitively enter the same data into a form can be a bit tiresome and repetitive. But it’s necessary to get many rate quotes if you want to get the lowest price.
The easy way to compare rates
The easiest way to locate the lowest prices is to use a quote form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much simpler. Immediately after you send the form, your coverage is rated and you can select any one of the price quotes you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process just takes a couple of minutes and may save quite a bit of money.
To quickly compare rates now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you input the limits and deductibles identical to your current policy. This way, you will have a price comparison for the exact same coverage.
When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Each situation is unique.
For instance, these questions may help you determine if your insurance needs will benefit from professional help.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.
Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Collision coverage protection
Collision insurance pays for damage to your Titan resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance kick in for expenses such as dental work, prosthetic devices, doctor visits, ambulance fees and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for things like medical expenses, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from getting keyed and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
I got quite a few price quotes for a 2017 Nissan Titan in Phoenix, AZ. Ended up at right around $340 every six months with American Family. Insured with Nationwide before. You can get a rate quote online.
Liked the article. I live west of Nashville, TN. Received prices from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my 2017 Nissan Titan and I’m now saving $25 a month. Have a couple speeding tickets too. Might find lower rates online.
Is State Farm cheaper than GEICO in Atlanta, GA?
I live just outside Chicago, IL. I got free prices from State Farm, Auto-Owners, and Esurance for my 2017 Nissan Titan and saved $288 a year. Was with GEICO.
I found affordable 2017 Nissan Titan insurance from 21st Century in Las Vegas, NV.
I got a good deal I think. From a town just southwest of Nashua, New Hampshire. Compared quite a few companies. Saved roughly $30 a month. 21st Century was the best choice for me. Left 21st Century to switch. It was easy to get rates.
If you’re a decent driver and live in the vicinity of Springfield, MA, check out Allstate. They seem to be cheaper.
Cheap is not always the best policy. Checking in from Reno, Nevada. Got prices from GEICO, Auto-Owners, and Encompass for my Titan and am saving around $400 a year. I get lower rates because of my clean driving record. I quoted rates online then called them.
All companies are crooks. I live in Aurora, IL. Got quotes from State Farm, AAA, Erie, and Liberty Mutual for my 2017 Nissan Titan and am saving around $200 a year. I even had a DUI years ago. Did it all online.
Just a quick comment on my experience. I’m from Saint Paul, MN. Quoted a bunch of companies. Saved about $50 a month. 21st Century was the most affordable for me. I got prices on the web.
Well-written and thought out article. I live north of Norfolk, VA. Quoted rates from Progressive, Auto-Owners, and some I forget for my Titan and I’m now saving $55 a month. Online quotes are the way to go.