Want lower car insurance rates for your Chevrolet Beretta? Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse.
Insurance companies such as Progressive, GEICO and Farmers Insurance increase brand awareness with fancy advertisements 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.
To get low cost insurance coverage quotes, there a variety of ways of comparing rates from different companies. The simplest method to compare rates is simply to get online rate quotes. This can be accomplished in a couple minutes as outlined below.
Without a doubt, the easiest way to get quotes for comparison is a comparison rater form like this one (opens in new window). This quick form eliminates the need for separate quote forms for each company. Filling out one form compares rates from auto insurance companies with the best prices.
A more difficult way to analyze rates requires a trip to each company’s website and complete a new quote form. For examples sake, we’ll assume you want rates from Progressive, Farmers and Travelers. You would have to visit each site and enter your policy data, which is why most consumers use the first method.
For a handy list of car insurance company links in your area, click here.
You can choose any of those ways to find more affodable coverage, but make absolute certain that you use equivalent coverage information for every company. If your comparisons have different limits and deductibles on each one you will not be able to determine the best price for your Chevy Beretta. Even a minor difference in coverages can make a big difference in price. Just keep in mind that comparing a wide range of rates helps improve the odds of finding more affordable rates. Not every company provides online rate quotes, so you also need to get quotes from them as well.
Some companies do not list every available discount very clearly, so we took the time to find some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance coverage online. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.
It’s important to understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.
A list of companies and a partial list of their discounts include:
Before buying, ask all the companies to give you their best rates. Some discounts listed above might not be offered in your area. If you would like to choose from a list of insurance coverage companies with the best discounts, click this link.
When it comes to buying coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine if your situation would benefit from professional advice.
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.
Knowing the specifics of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.
Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Beretta.
Due to the fact that many 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.
Collision – Collision insurance will pay to fix damage to your Beretta resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like damaging your car on a curb, scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.
Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a deer, fire damage, falling objects and hitting a bird. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for short-term medical expenses like prosthetic devices, pain medications and X-ray expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability insurance – Liability insurance protects you from damage that occurs to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims such as pain and suffering, attorney fees, loss of income, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.