No car owner looks forward to paying premiums for insurance coverage, especially when they are aware that they are paying too much.
Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rate
To find cheap rates, there are a couple of ways to obtain and compare prices from different insurance companies. The simplest method to do a complete rate comparison is simply to get online rate quotes. This can be accomplished in a couple of different ways.
You can choose any of those ways to find more affodable coverage, but try to keep exactly the same deductibles and coverage limits for each price quote. If each company quotes different data you can’t possibly determine the best price for your Chevy Express Cargo. Having just a slight variation in insurance coverages or limits can make a big difference in price. It’s important to know that having more price comparisons helps improve the odds of finding the best offered rates. Some companies don’t provide online rate quotes, so it’s necessary to compare prices from them as well.
When it comes to buying the best insurance coverage, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine if you would benefit from professional advice.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.
Collision coverage covers damage to your Express Cargo resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like hitting a mailbox, damaging your car on a curb, crashing into a building, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like fire damage, vandalism, damage from getting keyed and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things like attorney fees, funeral expenses, emergency aid, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.
Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, dental work, prosthetic devices, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.