Are you irritated from not being able to scrape enough together to pay your car insurance bill each month? Your situation is no different than most other consumers.
Because you have many car insurance companies to choose from, it is very difficult to choose a lower cost insurer.
The majority of larger companies like Allstate and Progressive provide insurance quotes on the web. Getting prices online is quite simple as you simply type in your required coverages into a form. After the form is submitted, their system pulls your driving and credit reports and returns a price based on the information you submitted. This makes it easy to compare insurance prices but the time required to go to multiple sites and type in the same information is a big time waster. But it is imperative to have as many quotes as possible in order to get the best price possible.
The better way to compare rates
A quicker way to lower your rates makes use of a single form that analyzes rates from several companies at one time. It saves time, eliminates form submissions, and makes rate comparisons much easier to do. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the price quotes you receive. If you find a better price you can click and sign and buy the new coverage. The whole process takes less than 15 minutes and can result in significant savings.
If you want to use this form to compare rates, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you enter exactly as they are listed on your policy. Doing this assures you will have a price comparison using the same coverage and limits.
Car insurance can be pricey, but there could be available discounts that could drop your premiums quite a bit. Some trigger automatically when you quote, but lesser-known reductions have to be inquired about before they will apply.
Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you could get a free car insurance policy, you’re out of luck. Any amount of discount will definitely reduce the premium cost.
To find companies with the best discounts, click this link.
When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight whether you could use an agent’s help.
If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.
Understanding the coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2007 Ford Econoline Wagon.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as damage from a tornado or hurricane, hail damage, hitting a deer, a tree branch falling on your vehicle and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability coverage pays for things like legal defense fees, attorney fees and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.
This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, rehabilitation expenses and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage