Searching for the lowest cost auto insurance on the internet is somewhat intimidating for consumers new to quoting and shopping for insurance on the web. With so many online companies, how can anyone even start to compare the different rates to find better auto insurance prices?
It’s a good idea to quote other rates yearly since insurance rates are usually higher with each renewal. Just because you had the best rate on S4 coverage last year you can probably find a better price now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the quickest way to reduce your cost while increasing coverage.
There are several ways to shop for car insurance, and some are more efficient than others. You can waste hours driving to insurance agencies in your area, or you could use the web for quick rates.
The majority of car insurance companies belong to an insurance system that enables customers to complete one form, and every company provides a quote based on that data. This prevents consumers from doing quote requests to every company.
To submit your quote information now, click here to open in new window.
The only downside to comparing rates this way is that you can’t choose the providers you want pricing from. If you prefer to choose from a list of companies to compare prices, we put together a list of companies who write car insurance in your area. Click to view list.
It’s up to you how you get prices quotes, just make sure you compare the same coverage data with every price quote. If your comparisons have different values for each quote it will be next to impossible to get a fair rate comparison. Having just a slight variation in insurance coverages or limits may cause a big price difference. Just remember that making a lot of price comparisons provides better odds of finding the best rates.
When it comes to choosing adequate coverage, there is no perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that could help you determine if you might need professional guidance.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Understanding the coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.
Medical costs insurance
Coverage for medical payments and/or PIP pay for short-term medical expenses such as EMT expenses, dental work and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
Comprehensive or Other Than Collision
Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from flooding, damage from getting keyed, vandalism, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
This covers damage to your S4 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi S4.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
This protects you from damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.