Searching for budget-priced insurance is somewhat intimidating for people that are not comfortable with quoting and comparison shopping online. With so many options of insurers available, how are people able to have a chance to compare every possible option in order to find the lowest price available?
Consumers should take time to do rate comparisons at least once a year because insurance prices change regularly. Just because you found the best price for C/K Series insurance at your last renewal you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.
Many insurance companies provide prices for coverage on the web. This process is pretty painless as you just enter the amount of coverage you want as detailed in the form. After you submit the form the system will order your credit score and driving record and returns a price quote determined by many factors.
Quoting online simplifies rate comparisons, but the time required to go to many different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s necessary to perform this step if you want to find better car insurance pricing.
The quickest way to get multiple rate quotes is to use a quote form to return rates from several different companies. The form is fast, eliminates repetitive work, and makes online price comparison much simpler. After sending your information, it is quoted and you are able to buy your choice of the quote results.
If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.
To quickly find out if lower rates are available, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you enter your coverages just like they are on your policy. Using the same limits helps guarantee you will receive comparison quotes for exact coverage.
Some insurance providers don’t always list the complete list of policy discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find savings tricks you should be using when you buy car insurance online. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any amount of discount will help lower the amount you pay for coverage.
Companies that have most of these discounts may include but are not limited to:
Before you buy a policy, ask each company or agent which discounts they offer. Some credits may not apply to policyholders in your state.
When buying the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that could help you determine if you might need professional guidance.
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as falling objects, a broken windshield, rock chips in glass and fire damage. 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.
Collision coverage will pay to fix damage to your C/K 3500 Series resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.
Coverage for liability
Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for things like repair costs for stationary objects, medical expenses, pain and suffering, loss of income and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as surgery, chiropractic care, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy C/K 3500 Series.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.