Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us, there are many people just like you. Companies like State Farm and Geico promote their brand names with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.
Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but lesser-known reductions have to be specifically requested in order for you to get them.
It’s important to note that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you can get free auto insurance, you aren’t that lucky.
To choose insurers who offer cheap car insurance quotes, click this link.
All the larger auto insurance companies make it easy to get prices on their websites. Getting prices online doesn’t take a lot of time as you just type in the coverages you want into a form. Once you submit the form, their system will obtain your driving and credit reports and returns a price based on these factors. Online quotes makes it simple to compare prices but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to find better prices.
There is a better way to compare rates
The quickest way to find better auto insurance pricing makes use of a single form to obtain quotes from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online quotes much simpler. After sending your information, it is rated and you can choose any one of the quote results.
If you find a better price you can simply submit the application and purchase coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.
To quickly find out if lower rates are available, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This way, you are getting a fair comparison for similar coverage.
Lots of things are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, but some are less apparent like where you live or your financial responsibility.
When buying coverage, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Consumers get pounded daily by advertisements that promise big savings for switching by companies like Geico, State Farm and Progressive. They all have a common claim that people will save if you get a free insurance quote and switch your coverage.
But how can every company give you a lower rate? It’s all in the numbers.
Companies are able to cherry pick for a prospective insured that will be a good risk. One example of a desirable insured might have to be a mature driver, owns their home, and does not commute to work. A customer who matches those parameters will get the preferred prices and will save if they switch.
Insureds who do not fit the requirements may be forced to pay a higher premium which results in business not being written. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can confidently state the savings.
This really drives home the point why it is so important to compare price quotes frequently. Because you never know which car insurance company will fit your personal profile best.
Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Dodge Grand Caravan.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive protection
Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as damage from getting keyed, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision protection
Collision coverage will pay to fix damage to your Grand Caravan resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Medical expense coverage
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as rehabilitation expenses, surgery and funeral costs. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
Liability insurance
Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things like bail bonds, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
When searching for affordable insurance quotes, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
Budget-friendly car insurance is available both online as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some companies may not provide online rate quotes and many times these smaller companies only sell coverage through independent agents.
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