Are you a victim of high-priced insurance? You’re preaching to the choir because many consumers feel financially strained by their insurance policy.
Due to the increasing number of companies and agents to choose from, it can be diffult for drivers to choose the most cost effective insurer.
There are multiple methods you can shop for insurance coverage and some are easier and takes less work. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web for quick rates.
Most of the best insurance companies enroll in a system where insurance shoppers submit their information once, and every company returns a competitive quote. This system prevents you from having to do repetitive form submissions for every insurance coverage company.
To find out how much you can save on insurance coverage click here to start a free quote.
The only downside to using this type of form is you can’t choose which insurance companies to get pricing from. If you prefer to choose individual companies to compare, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.
How you compare quotes is your choice, just make absolute certain that you use identical coverage limits and deductibles on every quote. If you compare different coverage information it’s impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages may result in large price differences. Keep in mind that comparing more company’s prices will enable you to find a better price.
Car insurance is easily one of your largest bills, but there could be available discounts that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but some discounts are required to be specifically requested before they will apply.
We need to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky.
If you would like to choose from a list of insurance companies who offer discounts, follow this link.
When it comes to buying the best auto insurance coverage, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Lots of factors are considered when you quote your car insurance policy. Some are obvious such as traffic violations, although others are less apparent like your vehicle usage or your vehicle rating.
Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.
Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like hospital visits, ambulance fees, surgery and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Liability coverages – This coverage provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things like legal defense fees, repair costs for stationary objects, structural damage and medical expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.
Uninsured and underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura Integra.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, hail damage and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision – Collision coverage will pay to fix damage to your Integra resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims like sideswiping another vehicle, crashing into a ditch, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.
When getting car insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the best price while still protecting your assets.
There are still a few companies who don’t offer rates over the internet and many times these regional insurance providers only sell through independent insurance agents. Cheap 1999 Acura Integra insurance is definitely available on the web as well as from independent agents, and you need to price shop both so you have a total pricing picture.
More information is located at the links below