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UPDATED: Oct 5, 2015
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Shopping for the cheapest insurance coverage online can appear to be somewhat difficult for people that are relatively new to comparing and buying insurance coverage online. With literally dozens of online companies available, how are we expected to be able to compare the different rates to find the lowest rates?
It is always a good idea to compare prices before your policy renews because insurance prices are constantly changing. Even if you got the best quotes for Edge coverage on your last policy the chances are good that you can find a lower rate today. There are lots of tips to save on insurance coverage online but in just a couple of minutes you can learn some great ways to find affordable insurance coverage.
Cheapest auto insurance rate quotes
Most of the larger companies such as State Farm, GEICO and Progressive allow you to get prices from their websites. Comparing prices online is possible for anyone because you just enter the amount of coverage you want into the form. Upon sending the form, the system will obtain information on your driving record and credit history and generates pricing information.
This makes comparing rates easy, but the time required to go to different websites and type in the same information can get tiresome after awhile. But it’s also necessary to do this if you want to find a lower rate.
The better way to compare rates
A more efficient way to lower your rates utilizes a single form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced and you can choose any one of the price quotes you receive.
If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.
If you want to use this form to compare rates, click here and enter your information. If you have a policy now, it’s recommended you duplicate coverages and limits as shown on your current policy. Doing this assures you’re receiving comparison quotes for similar insurance coverage.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Discounts for lower-cost insurance coverage rates
Some companies don’t list every possible discount very well, so here is a list some of the best known as well as the least known ways to save on insurance coverage. If you don’t get every credit available, you are not getting the best rate possible.
- Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
- Full Payment Discount – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
- E-sign – Some of the larger companies may give you up to $50 shop car insurance on the internet.
- Telematics Data – Insureds who allow their company to look at driving manner by installing a telematics device such as State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
- Accident Forgiveness Coverage – but certain companies will let one accident slide without raising rates so long as you are claim-free prior to being involved in the accident.
Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.
If you would like to view providers who offer free insurance coverage quotes, click here to view.
You may need specialized insurance coverage coverage
When buying the best insurance coverage coverage, there really is not a “best” method to buy coverage. Every situation is different.
Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.
- Should I file a claim if it’s only slightly more than my deductible?
- Can I afford to pay high deductible claims out of pocket?
- What should my uninsured motorist coverage limits be in my state?
- Should I put collision coverage on all my vehicles?
- Does my insurance cover a custom paint job?
- Does my insurance cover damage caused when ticketed for reckless driving?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.
Information about specific coverages
Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, a broken windshield, theft and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like doctor visits, dental work, chiropractic care, prosthetic devices and EMT expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.
Auto liability insurance
This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like attorney fees, legal defense fees, funeral expenses and medical services. How much coverage you buy is your choice, but buy higher limits if possible.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Edge.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.