When trying to find cheaper insurance, are you confused by the number of auto insurance companies available to you? There are so many options that it is a lot of work to locate the lowest auto insurance rates.
There are several ways to compare rate quotes from many available insurance companies in your state. The recommended way to comparison shop consists of shopping online. This can be done by using one of the methods below.
Whichever way you choose to compare rates, be sure you’re using exactly the same quote information for each comparison quote. If you are comparing higher or lower deductibles it will be very difficult to decipher which rate is best. Just slight variations in limits may cause a big price difference. And when price shopping your coverage, comparing all the rates in your area increases the change that you will find the best offered rates.
Some companies don’t always publicize all their discounts in an easy-to-find place, so we break down both the well known and also the lesser-known discounts that you may qualify for. If you do not double check each discount available, you could be saving more on your auto insurance.
As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.
A list of companies and a selection of discounts are shown below.
When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. Some discounts may not be offered in your area. If you would like to see a list of insurance companies with discount rates, click here to view.
When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.
For example, these questions may help you determine if you might need an agent’s assistance.
If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Learning about specific coverages of your insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, 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. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like rock chips in glass, hail damage and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision – Collision coverage pays for damage to your Range Rover resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as loss of income, bail bonds, funeral expenses and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses like prosthetic devices, hospital visits, nursing services and funeral costs. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible