Are you irritated from being strong-armed to buy insurance? You are in the same boat as many other consumers. Popular companies such as Progressive, State Farm and GEICO all claim big savings, bombarding you with ad campaigns and it is difficult to ignore the propoganda and take the time to shop coverage around.
All major auto insurance companies like 21st Century, Allstate and State Farm make it easy to get prices direct online. Doing online price comparisons is very simple because it’s just a matter of typing in your coverage information as detailed in the form. Upon sending the form, their system will obtain reports for credit and driving violations and gives you a price quote. Online quotes makes comparing rates easy, but having to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you are searching for the best price possible.
There is a better way!
The preferred way to find better auto insurance pricing is to use a quote form to return rates from many companies. It saves time, eliminates repetitive work, and makes quoting online much simpler. Immediately after submitting the form, it is rated and you can select any one of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.
In order to find out if lower rates are available, simply click here to open in new window and submit the form. To compare your current rates, we recommend you input deductibles and limits exactly as shown on your declarations page. This guarantees you will have rate comparison quotes for exact coverage.
Car insurance companies don’t always list every policy discount very clearly, so we took the time to find both well-publicized and also the lesser-known credits available to you. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.
A list of companies and their offered discounts can be read below.
If you want cheaper insurance quotes, ask each insurance company which discounts you may be entitled to. Some discounts listed above may not be available in your area. To see a list of providers offering insurance discounts, click here to view.
When it comes to buying coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.
If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Understanding the coverages of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.
Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Chrysler Town and Country.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like hospital visits, surgery and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Collision insurance covers damage to your Town and Country caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as colliding with a tree, hitting a parking meter, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from getting keyed, hitting a deer, theft, hitting a bird and rock chips in glass. 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 it’s probably time to drop comprehensive insurance.
This can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things like structural damage, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.