I doubt anyone looks forward to paying premiums for car insurance, particularly when they are paying too much. Companies like GEICO, Progressive and Allstate increase brand awareness with catchy ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
Shopping for lower car insurance rates can be a daunting task if you don’t know the most efficient way. You can waste a lot of time driving to agents in your area, or you could save time and use the web to get rates in a matter of minutes.
Most of the best insurance companies participate in an industry program where insurance shoppers enter their policy data once, and each participating company then gives them pricing based on that data. This saves time by eliminating quote requests to each individual car insurance company.
To submit your quote information now, click here to start a free quote.
The only drawback to using this type of form is buyers cannot specifically choose the insurers you want pricing from. So if you prefer to choose specific providers to receive pricing from, we have a listing of companies who write car insurance in your area. Click here to view list.
It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage information with every price quote. If you enter mixed coverages it will be nearly impossible to make an equal comparison.
Auto insurance companies don’t necessarily list all possible discounts very clearly, so below is a list a few of the more well known as well as the least known discounts that you can inquire about if you buy insurance coverage online. If you do not double check each discount possible, you are not getting the best rate possible.
Discounts lower rates, but many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, it just doesn’t work that way.
To view companies that have a full spectrum of discounts, click this link.
When buying the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine if you could use an agent’s help.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.
Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1997 Mercedes-Benz S-Class.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability car insurance – Liability coverage can cover damage or injury you incur to other people or property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability can pay for things such as pain and suffering, medical services, attorney fees, emergency aid and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Coverage for medical payments – Med pay and PIP coverage kick in for expenses such as hospital visits, pain medications, rehabilitation expenses, X-ray expenses and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Collision coverages – Collision insurance will pay to fix damage to your S-Class caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as damaging your car on a curb, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.