I really doubt anyone looks forward to paying for insurance coverage, especially when they are paying too much.
Big-name insurance companies like GEICO, 21st Century and Progressive persitently shower you with TV and radio ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.
Most major insurance companies such as State Farm and Allstate allow you to get insurance quotes on the web. Doing online price comparisons is pretty painless because it’s just a matter of typing in your personal and coverage information into the quote form. Once you submit the form, the company’s rating system will obtain reports for credit and driving violations and provides a quote based on the information you submitted. This makes it a lot easier to compare rates but the time required to go to several different sites and type in the same information is a waste of time. But it’s necessary to have as many quotes as possible if you want to find the best price on auto insurance.
Online rates the easy way
A better way to find lower prices makes use of a single form that gets prices from several companies at one time. This type of form saves time, requires less work, and makes online shopping much easier to do. Once the form is submitted, your coverage is rated with multiple companies and you can pick your choice of the pricing results.
If you find a better price you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and may result in a nice savings.
To save time and find out if lower rates are available, click here and fill out the form. If you currently have coverage, we recommend you replicate the coverages as close as possible to your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison for the exact same coverage.
Companies do not list the entire discount list in an easy-to-find place, so the below list has some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.
As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.
A list of insurance companies and their possible discounts are detailed below.
When comparing rates, check with all the companies the best way to save money. Some credits might not apply in your area.
When it comes to choosing the best auto insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if you will benefit from professional help.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saab 9-5.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.
Comprehensive coverage (or Other than Collision)
This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, theft and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Coverage for liability
Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as structural damage, legal defense fees, medical expenses, bail bonds and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Collision protection
This covers damage to your 9-5 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like crashing into a ditch, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to discover later that it was a big mistake. Your goal is to buy enough coverage at the best possible price, but do not skimp to save money.
More affordable insurance is available on the web as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide rate quotes online and most of the time these smaller providers only sell coverage through local independent agents.