Saving money on auto insurance may be difficult for drivers not familiar with online comparison shopping. With such a large choice of insurers to choose from, it can turn into hard work to find better prices.
Choosing the best insurance company for you is not rocket science. Basically, every driver who is required by state law to have auto insurance should be able to find lower rates. But vehicle owners do need to learn how the larger insurance companies market insurance on the web and take advantage of how the system works.
Car insurance companies don’t always publicize every discount they offer in an easy-to-find place, so the following is a list of a few of the more well known and also the lesser-known credits that you can use to lower your rates.
As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it appears all the discounts add up to a free policy, companies don’t profit that way.
Some of the insurance companies that may offer quotes with most of these discounts possibly include:
Check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not be offered in your area.
When buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.
These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form.
Respected companies like GEICO, State Farm and Progressive endlessly run ads on TV and radio. All the companies make the same claim of big savings if you move your policy. How does every company sell you cheaper insurance coverage?
Companies have specific criteria for the type of customer that makes them money. For example, a desirable insured could be a married male, has a clear driving record, and drives a car with an anti-theft system. Any customer who matches those parameters receive the lowest rate quotes as well as save some money.
Consumers who don’t measure up to this ideal profile may receive more expensive rates with the end result being the driver buying from a lower-cost company. If you pay attention, the ads say “people that switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can make claims like that. Because every company is different, it is so important to quote coverage with many companies. It’s just not possible to know which insurance coverage company will have the best prices.
Understanding the coverages of a car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.
This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a bird, vandalism, damage from a tornado or hurricane and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against claims such as court costs, bail bonds, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy S-10 Blazer.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance provide coverage for bills for EMT expenses, X-ray expenses, ambulance fees, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Cheaper 1996 Chevy S-10 Blazer insurance can be bought both online and from local agencies, so get free auto insurance quotes from both of them to have the best rate selection. There are still a few companies who don’t offer price quotes online and usually these small insurance companies prefer to sell through independent insurance agencies.
When getting auto insurance quotes online, do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability coverage limits only to regret that it was a big mistake. The aim is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
You just learned many ideas to compare 1996 Chevy S-10 Blazer insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company.
To learn more, take a look at the following helpful articles: