Tired of scraping nickels together to pay high auto insurance rates every month? Your situation is no different than many other consumers. With consumers having so many insurance companies to choose from, it can be diffult for drivers to choose the best auto insurance provider.
Smart consumers take time to compare prices on a regular basis because auto insurance rates change frequently. Just because you found the lowest premium rates on PT Cruiser insurance two years ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to find out one of the quickest ways to eliminate unnecessary coverages and save money.
There are a lot of ways to shop for auto insurance, but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with insurance agencies in your area, or you could save time and use online quotes to achieve your goal.
Many companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company can provide price quotes. This eliminates the need for quotation requests for every auto insurance company.
To find out how much you can save on auto insurance click here to open in new window.
One minor caviat to doing it this way is that consumers can’t choose which companies you want to price. If you wish to select specific providers to compare, we have a listing of companies who write auto insurance in your area. Click to view list.
However you get your quotes, make sure you use the exact same coverages for every company. If the quotes have higher or lower deductibles then you won’t be able to decipher which rate is best.
Consumers can’t ignore all the ads for cheaper auto insurance from the likes of Progressive, Allstate and GEICO. They all make the same claim that you can save if you just switch to their company.
How does every auto insurance company save you money? It’s all in the numbers.
Companies give the best rates for the type of driver they prefer to insure. For instance, this type of insured might be a married female, has had continuous coverage, and does not commute to work. Someone that hits that “sweet spot” will probably get cheap premium rates as well as cut their rates if they switch.
Potential customers who do not fit this ideal profile must pay a higher premium and this results in business not being written. Company advertisements say “drivers that switch” not “all people who quote” save the amount stated. That’s why insurance companies can state the savings. This illustrates why it’s extremely important to compare free car insurance quotes often. You cannot predict which auto insurance company will give you lower car insurance rates than your current company.
Companies offering auto insurance don’t necessarily list all possible discounts in an easy-to-find place, so we break down some of the best known and the more hidden savings tricks you should be using when you buy car insurance online. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.
It’s important to understand that many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
If you would like to see a list of insurance companies with discount car insurance rates, follow this link.
When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.
Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2010 Chrysler PT Cruiser.
Since many 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 very important.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for prosthetic devices, chiropractic care, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive auto coverage
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle, a broken windshield, rock chips in glass and hitting a bird. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
This will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability insurance covers things such as repair bills for other people’s vehicles, medical expenses, pain and suffering and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
We just showed you a lot of techniques to get a better price on 2010 Chrysler PT Cruiser insurance. The key thing to remember is the more providers you compare, the higher your chance of finding affordable car insurance. You may even discover the lowest priced car insurance comes from a smaller regional carrier. Smaller companies often have lower rates on specific markets compared to the large companies like GEICO and State Farm.
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. In many instances, consumers will sacrifice physical damage coverage to discover at claim time that they should have had better coverage. The aim is to find the BEST coverage at an affordable rate.
Cost effective 2010 Chrysler PT Cruiser insurance can be bought from both online companies and also from your neighborhood agents, so you need to quote car insurance with both to have the best rate selection. Some car insurance companies do not provide rates over the internet and many times these regional insurance providers provide coverage only through local independent agencies.
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