Comparing auto insurance quotes online can be challenging if you are one of the many people new to online price comparisons. But keep reading because using the internet to shop for insurance coverage is actually quite easy.
Not many people think insurance is cheap, but there may be some discounts to help bring down the price. Some of these disounts will be visible when you quote, but some need to be specifically requested before you will receive the discount.
It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, you aren’t that lucky. Any amount of discount should help reduce the premium cost.
A few of the larger companies and some of the discounts can be found below.
When getting a coverage quote, ask every company to apply every possible discount. Discounts might not apply in your state.
There are several ways to compare insurance coverage quotes, but one way is less time-consuming than others. You can spend your afternoon driving to insurance agencies in your area, or you could use online quoting to get the quickest rates.
All the larger companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company returns a rated price for coverage. This prevents consumers from doing quote requests to each individual insurance coverage company.
To compare rates now click here (opens in new window).
The only drawback to doing it this way is you are unable to specify the providers to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we have a listing of companies who write insurance coverage in your area. Click to view list.
The method you choose is up to you, but do your best to enter the same coverage information on every price quote you get. If you use different liability limits you can’t possibly determine which company has the best rates. Quoting even small variations in insurance coverages could skew the results. Keep in mind that having more price comparisons gives you a better chance of getting a lower rate than you’re paying now.
When it comes to buying the best car insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.
For instance, these questions might point out if your insurance needs may require specific advice.
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims such as legal defense fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Malibu.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things like colliding with a tree, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, nursing services and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, damage from flooding and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Drivers switch companies for a number of reasons such as policy cancellation, not issuing a premium refund, unfair underwriting practices and even high rates after DUI convictions. Regardless of your reason, finding the right insurance provider is not as hard as you think.
When getting auto insurance quotes online, do not buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability limits or collision coverage only to regret that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best price, but don’t skip important coverages to save money.
Budget-conscious 2014 Chevy Malibu insurance is definitely available on the web and with local insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some companies do not offer the ability to get quotes online and these small insurance companies work with local independent agencies.