Searching for the cheapest car insurance over the internet may at first seem to be rather difficult for drivers that are relatively new to comparing prices on the internet. With such a large number of agents and companies, how are drivers able to efficiently compare every company in order to find the lowest price?
Some insurers don’t always advertise all possible discounts very well, so the following list contains some of the more common and the more hidden credits available to bring down your rates. If you do not check that you are getting every discount available, you may be paying too high a price.
Remember that many deductions do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, you aren’t that lucky.
Some of the insurance companies that may include some of the discounts shown above may include but are not limited to:
When quoting, ask all companies you are considering which discounts they offer. Depending on the company, some discounts may not apply to policyholders in your state. For a list of insurers that can offer you the previously mentioned discounts, click this link.
Many insurance companies such as Allstate, GEICO and Progressive make it easy to get prices on the web. Getting prices online is fairly simple as you simply type in your coverage preferences as requested by the quote form. Once entered, the company’s rating system makes automated requests for reports for credit and driving violations and returns a price based on these and other factors.
Online price estimates helps simplify price comparisons, but the time it takes to visit multiple sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you are searching for the best price on insurance coverage.
Rate comparisons made easy
A better way to get multiple rate quotes requires only one form that analyzes rates from more than one company. This type of form saves time, eliminates form submissions, and makes rate comparisons much easier to do. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the pricing results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and may result in a nice savings.
In order to compare rates now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. Doing this assures you’re receiving comparison quotes for similar insurance coverage.
When choosing coverage, there really is not a “perfect” insurance plan. Every situation is different.
For instance, these questions may help you determine if your situation would benefit from professional advice.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
Popular insurance providers such as Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies say the same thing about saving some big amount just by switching to their company. But how can every company lower your rates? This is the trick they use.
Insurance providers have specific characteristics for the type of customer that earns them the highest profit. An example of a profitable risk profile may be over age 30, is a homeowner, and drives newer vehicles. Any customer who matches that profile will get very good premium rates and will cut their rates substantially.
Drivers who do not meet the requirements will be charged higher prices and ends up with the customer buying from someone else. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that much when switching. That’s why companies can advertise the savings. This really drives home the point why you really need to compare as many free auto insurance quotes as you can. It’s just not possible to know which company will provide you with the cheapest prices.
Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Collision coverages – This pays for damage to your Express resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like driving through your garage door, backing into a parked car, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage for liability – Liability coverage provides protection from damage that occurs to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things such as repair bills for other people’s vehicles, legal defense fees, emergency aid and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.
Medical expense insurance – Med pay and PIP coverage provide coverage for bills like prosthetic devices, ambulance fees, surgery and nursing services. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Express.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Drivers leave their current company for a variety of reasons including high prices, not issuing a premium refund, unfair underwriting practices or even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.
Lower-priced car insurance is possible on the web and with local insurance agents, and you should be comparing both to have the best selection. Some car insurance companies may not provide online rate quotes and many times these regional insurance providers only sell coverage through local independent agencies.
We just presented many tips how you can lower your 2007 Chevy Express insurance premium rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from some of the smallest insurance companies.
To learn more, take a look at the resources below: