I really doubt anyone likes having to buy auto insurance, particularly when the cost is way too high.
Companies like Progressive, State Farm and GEICO constantly blast consumers with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.
Most of the larger companies like State Farm and Allstate provide price estimates on their websites. Obtaining pricing is easy for anyone as you simply enter the amount of coverage you want as detailed in the form. Once entered, the company’s rating system obtains your credit score and driving record and returns a price quote. Online price estimates helps simplify price comparisons, but the work required to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to compare as many rates as possible if you want to find better prices.
Compare rates the easy way
A better way to compare rates makes use of a single form that gets price quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes quoting online much simpler. Immediately after submitting the form, it is rated and you can select your choice of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and may save quite a bit of money.
To save time and compare pricing, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you input the limits and deductibles just like they are on your policy. This ensures you are getting an apples-to-apples comparison based on similar coverages.
Companies offering auto insurance do not advertise every possible discount in a way that’s easy to find, so the list below details both well-publicized and also the lesser-known savings tricks you should be using when you buy car insurance online.
A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.
Larger car insurance companies and a selection of discounts include:
Before purchasing a policy, check with all companies you are considering to give you their best rates. Discounts might not apply in every state.
When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might help in determining if you may require specific advice.
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.
Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.
Liability car insurance – Liability insurance can cover damage or injury you incur to a person or their property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability insurance covers claims like medical expenses, funeral expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like rehabilitation expenses, EMT expenses and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.
Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as fire damage, damage from getting keyed, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision coverages – This covers damage to your Firebird resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as rolling your car, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.