Have you finally had enough of not being able to afford to keep your car insured? You have the same problem as many other vehicle owners. Companies like State Farm, Geico and Farmers Insurance promote their brand names with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.
Some insurance providers don’t necessarily list every available discount in an easy-to-find place, so here is a list some of the best known and also the more inconspicuous credits available to bring down your rates. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.
As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
To see companies that offer some of these discounts, click here.
Multiple criteria are taken into consideration when quoting car insurance. Most are fairly basic like an MVR report, but other criteria are less obvious like your vehicle usage or your commute time.
The list below includes just a few of the factors utilized by car insurance companies to help set your premiums.
When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine whether your personal situation might need an agent’s assistance.
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Chevy Monte Carlo.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like fire damage, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for medical payments and/or PIP pay for bills for hospital visits, doctor visits and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage can cover damage or injury you incur to other people or property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.
Liability coverage pays for claims like court costs, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
This coverage covers damage to your Monte Carlo from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.
You just read many tips how you can shop for 1999 Chevy Monte Carlo insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from a small mutual company. Smaller companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.
As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. In many cases, drivers have reduced full coverage only to discover later they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at the best cost, not the least amount of coverage.
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