Wish you could get a refund on high-priced auto insurance? Believe me, there are many consumers feeling the pinch from expensive auto insurance. Having so many companies and agents to choose from, it is very difficult to pick the right auto insurance provider.
Auto insurance companies don’t always publicize every discount they offer very well, so we break down both well-publicized in addition to some of the lesser obvious discounts that may be available.
Consumers should know that many deductions do not apply the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.
Larger auto insurance companies and the discounts they provide are:
Before purchasing a policy, check with each company which discounts you qualify for. Depending on the company, some discounts may not be available in your area. If you would like to choose from a list of providers who offer free auto insurance quotes, click here.
There are a lot of ways to compare insurance quotes, but some are more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.
Many companies are enrolled in a marketplace that allows shoppers to complete one form, and each company returns a competitive quote. This prevents consumers from doing quote requests for each company you want a rate for. To get comparison pricing now click to open in new window.
One minor caviat to doing it this way is you can’t choose the providers you want pricing from. So if you prefer to pick specific providers to compare, we have a listing of companies who write insurance in your area. View list of insurance companies.
The approach you take is up to you, just do your best to use equivalent coverage limits for every company. If you use mixed coverages it will be very difficult to determine the lowest rate for your Nissan Truck.
When buying the right insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions might point out if your insurance needs could use an agent’s help.
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.
Collision coverages – This coverage will pay to fix damage to your Truck resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things like rolling your car, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for chiropractic care, rehabilitation expenses, funeral costs and doctor visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from getting keyed, hitting a deer and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability coverage – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims like medical expenses, medical services, repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Throughout this article, we presented a lot of information how to lower your 1997 Nissan Truck insurance prices. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding affordable auto insurance. Consumers could even find that the best price on car insurance is with the smaller companies. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.
When buying insurance coverage, never reduce coverage to reduce premium. In too many instances, an insured cut physical damage coverage only to regret at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage at an affordable rate and still be able to protect your assets.