Did you make the mistake of buying an overpriced car insurance policy? Believe me when I say you’re not the only one. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies to find the absolute lowest cost out there.
Most companies such as State Farm, Allstate and GEICO give prices for coverage on their websites. Comparing prices online is quite easy as you just enter your personal and coverage information into the form. After you submit the form their system will order your driving record and credit report and provides a quote. Quoting online makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively type in the same information is a big time waster. But it’s also necessary to compare as many rates as possible if you are searching for a better rate.
There is a better way to compare rates
The preferred way to compare rates uses just one form that gets price quotes from several different companies. This type of form saves time, reduces the work, and makes online price comparison much more enjoyable. After sending the form, it is quoted and you can choose any one of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.
In order to use this form to compare rates, click here and begin entering your coverage information. If you have coverage now, it’s recommended you replicate the insurance coverages exactly as shown on your declarations page. This helps ensure you will get rate comparison quotes for the exact same coverage.
Insurance coverage is neither fun to buy or cheap, but discounts can save money and there are some available that many consumers don’t even know exist. A few discounts will automatically apply at the time of quoting, but occassionally some discounts must be asked for before you get the savings.
Discounts lower rates, but many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will definitely lower your policy premiums.
A list of companies and their possible discounts can be found below.
When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts you qualify for. A few discounts might not apply in your area.
When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you would benefit from professional advice.
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.
This coverage will pay to fix damage to your Journey resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as crashing into a building, rolling your car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your 2012 Dodge Journey.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
This coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.
Liability insurance covers claims such as bail bonds, pain and suffering, funeral expenses, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.
This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical expense coverage
Med pay and PIP coverage pay for bills for nursing services, doctor visits, EMT expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay