Are you burned out from sacrificing to buy auto insurance? Your situation is no different than many other consumers.
There are many insurers to buy insurance from, and even though it’s nice to be able to choose, it can be more challenging to compare rates.
Finding the best rates is quite easy. If you currently have car insurance, you will be able to save some money using this strategy. But drivers need to learn the methods companies use to market insurance on the web and use this information to your advantage.
Most larger insurance companies allow consumers to get prices directly from their websites. This process is easy for anyone as you simply enter the amount of coverage you want into the quote form. After you complete the form, the company’s rating system requests information on your driving record and credit history and returns pricing information. This makes it a lot easier to compare rates but having to visit multiple sites and type in the same data gets old quite quickly. But it’s very important to have as many quotes as possible if you want to get the lowest possible prices on car insurance.
A better way to lower your car insurance bill makes use of a single form to return rates from several different companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. After your information is entered, your coverage is rated and you are able to buy any one of the quote results. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It takes less than 15 minutes and you will know how your current rates stack up.
To save time and fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend that you enter the limits and deductibles just like they are on your policy. This guarantees you will be getting a rate comparison for the exact same coverage.
Some insurers don’t necessarily list every policy discount very clearly, so below is a list a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.
A quick disclaimer, most discount credits are not given to the entire cost. Most cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.
A few of the larger companies and their offered discounts are shown below.
If you want cheaper auto insurance quotes, ask every prospective company which discounts you may be entitled to. A few discounts might not be offered on policies in every state.
When buying proper insurance coverage, there is no “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation might need professional guidance.
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.
Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have 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.
Liability coverage pays for things such as medical services, funeral expenses, loss of income, structural damage and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
This covers damage to your MPV resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.
Medical payments and Personal Injury Protection insurance provide coverage for expenses like chiropractic care, rehabilitation expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Mazda MPV.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, vandalism, hitting a bird, fire damage and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.