Wish you could get a refund on an overpriced auto insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.
You have multiple insurance companies to pick from, and although it’s a good thing to be able to choose, it makes it harder to locate the cheapest rates.
It’s important to do price comparisons at least once a year because rates are adjusted regularly by insurance companies. Just because you had the best rate on Safari Cargo insurance on your last policy there may be better deals available now. There are lots of tips to save on auto insurance online but you can learn the easiest ways to find affordable auto insurance.
Most of the larger companies like Geico, State Farm and Progressive allow consumers to get insurance quotes online. Doing online price comparisons is easy for anyone because it’s just a matter of typing in your coverage preferences as detailed in the form. After the form is submitted, their system obtains your driving and credit reports and generates pricing information. This streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively type in your information gets old quite quickly. But it’s also necessary to have as many quotes as possible in order to get the best price possible.
There is a better way!
An easier way to find lower prices utilizes a single form to return rates from several companies at one time. It saves time, requires less work, and makes online price comparison much easier. Immediately after submitting the form, it is quoted and you can choose any or none of the quotes returned.
If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.
In order to compare rates now, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended that you enter the coverage information just like they are on your policy. This makes sure you’re receiving rate quotes for exact coverage.
Not many people think insurance is cheap, but there are discounts available that can dramatically reduce your bill. Most are applied at quote time, but some discounts are required to be specially asked for prior to receiving the credit. If you don’t get every credit you deserve, you are just wasting money.
You should keep in mind that most discounts do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But all discounts should definitely cut the cost of your policy.
A list of companies and some of their more popular discounts include:
If you are trying to find low cost car insurance quotes, ask every prospective company what discounts are available to you. Some of the discounts discussed earlier might not apply everywhere. To choose companies with discount rates, follow this link.
When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs might need professional guidance.
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.
Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.
Comprehensive coverages – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as a broken windshield, falling objects and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your GMC Safari Cargo.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.
Coverage for medical payments – Med pay and PIP coverage reimburse you for bills for things like funeral costs, pain medications, prosthetic devices and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Auto liability – This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability can pay for claims like court costs, medical expenses, loss of income and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Collision – Collision insurance covers damage to your Safari Cargo resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like driving through your garage door, hitting a parking meter, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
When shopping online for insurance, you should never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your goal should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.
Some insurance companies do not provide price quotes online and usually these smaller companies provide coverage only through local independent agents. Low-cost 1994 GMC Safari Cargo insurance can be found online and with local insurance agents, and you should be comparing both to get a complete price analysis.
Additional information is available at these links: