Are you kicking yourself for buying high-priced car insurance? Trust us when we tell you you’re not the only one.
Due to the increasing number of car insurance companies to choose from, it can be hard to find the lowest price company.
Finding affordable coverage is quite easy. Just about anyone who is shopping for insurance coverage will be able to reduce their rates. Although vehicle owners do need to understand the way insurance companies compete online because it can help you find the best coverage.
Some insurance providers don’t always list every possible discount in a way that’s easy to find, so the list below details both the well known and the more hidden credits available to bring down your rates.
A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.
Companies and the discounts they provide are:
If you need cheap insurance coverage quotes, ask each company how many discounts you can get. All car insurance discounts might not be available to policyholders in your state. If you would like to see a list of providers who offer cheap insurance quotes, click here.
When it comes to buying the best insurance coverage, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation may require specific advice.
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.
Liability coverage – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as emergency aid, funeral expenses, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed, falling objects, a broken windshield and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – This will pay to fix damage to your C-Class resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like crashing into a ditch, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as funeral costs, surgery, nursing services, chiropractic care and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Mercedes-Benz C-Class.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
In this article, we covered a lot of information how to compare 1999 Mercedes-Benz C-Class insurance car insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with an unexpected company. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like Allstate or State Farm.
Cheaper insurance coverage is available both online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some companies do not offer online quoting and most of the time these regional insurance providers only sell through independent insurance agents.
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