Baffled by the crazy number of insurance coverage choices that you can choose from? Drivers have so many choices to choose from that it can easily turn into a lot of work to locate the lowest premium rates.
Multiple criteria are part of the calculation when you get a price on insurance. Some factors are common sense like an MVR report, but other criteria are not quite as obvious such as your credit history or your commute time.
Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so the list below gives a summary of both the well known and the more hidden discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.
Discounts save money, but please remember that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free insurance coverage policy, that’s just not realistic.
Popular insurance coverage companies and a summarized list of policyholder discounts are outlined below.
When getting free insurance quotes, it’s a good idea to every company which discounts can lower your rates. Some credits may not apply to policies in your area. If you would like to see a list of insurance coverage companies that offer the discounts shown above, follow this link.
When buying the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.
If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Knowing the specifics of auto insurance can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1995 Chevy Lumina Minivan.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as hitting a deer, rock chips in glass, a broken windshield, fire damage and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay 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.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses for ambulance fees, nursing services and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Liability car insurance
This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims like pain and suffering, medical expenses, medical services and structural damage. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.
Collision coverage protection
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like crashing into a ditch, sideswiping another vehicle, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.
Lower-priced 1995 Chevy Lumina Minivan insurance can be bought both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide rate quotes online and usually these small, regional companies prefer to sell through independent insurance agents.
Drivers switch companies for any number of reasons including denial of a claim, policy non-renewal, lack of trust in their agent or delays in paying claims. It doesn’t matter what your reason, finding a great new company is easier than you think.
You just read many ways to shop for 1995 Chevy Lumina Minivan insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the biggest savings come from a small local company.