Getting budget-priced insurance coverage can seem to be intimidating for drivers that are relatively new to price shopping on the internet. With a ridiculous number of companies in the marketplace, how can drivers have a chance to compare each option to find the best available price?
There are a variety of methods to compare insurance quotes, and some are less time-consuming than others. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use the web to get prices fast.
Most major companies participate in an industry program that enables customers to send in one quote, and each participating company returns a competitive quote based on that data. This eliminates the need for quotation requests for every insurance company. To submit your quote information now, click here to open in new window.
The only drawback to pricing coverage this way is you can’t choose which companies to get quotes from. If you wish to select individual companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.
Whichever way you choose to compare rates, try to keep the same information on every quote. If you enter different values for each quote it will be impossible to make an equal comparison. Slightly different insurance coverages can make a big difference in price. And when comparing insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best offered rates.
Insurance can cost an arm and a leg, but you might already qualify for some discounts to cut the cost considerably. A few discounts will be applied at the time you complete a quote, but occassionally some discounts must be specifically requested prior to getting the savings.
Discounts save money, but please remember that most credits do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will bring down the amount you pay for coverage.
If you would like to see a list of auto insurance companies that offer the discounts shown above, click here.
When it comes to buying coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.
These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Having a good grasp of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Buick Century.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, fire damage and falling objects. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This will pay to fix damage to your Century caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as hitting a parking meter, driving through your garage door, rolling your car, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Med pay and PIP coverage kick in for expenses for prosthetic devices, nursing services, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses, court costs, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.