Do you get exhausted from being strong-armed to insure your Dodge every month? You are no different than many other consumers.
Vehicle owners have so many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates and find the lowest cost insurance.
Most larger insurance companies like GEICO, State Farm and Progressive make it easy to get coverage price quotes on their websites. Comparing prices online is very simple as you simply type in your coverage information as detailed in the form. After you complete the form, the system gets reports for credit and driving violations and returns a price quote. Being able to quote online streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it’s necessary to have as many quotes as possible in order to find a better rate.
Quote rates the easy way
The smarter way to lower your rates utilizes a single form that gets prices from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online shopping much easier. After sending your information, it is rated and you can select your choice of the returned quotes.
If the quotes result in lower rates, you can click and sign and purchase coverage. It takes 15 minutes at the most and you will know how your current rates stack up.
To use this form to compare rates, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you duplicate the coverage information exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting rate comparison quotes for the exact same coverage.
When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out if you would benefit from professional advice.
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.
This coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability insurance covers things like bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Medical payments coverage and PIP
Med pay and PIP coverage reimburse you for short-term medical expenses for X-ray expenses, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as vandalism, hitting a deer, falling objects and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
This coverage covers damage to your Grand Caravan caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as crashing into a ditch, rolling your car, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Grand Caravan.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.