Are you at wits end from scraping nickels together to pay auto insurance each month? You’re in the same situation as most other drivers. With drivers having so many options, it can be hard to pick the most cost effective company.
Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Vehicle owners only need to know the proper methods to shop online.
Finding a better price on insurance coverage can be quick and easy. You just have to take time comparing free auto insurance quotes to find. Price comparisons can be done in a couple of different ways.
To view a list of companies in your area, click here.
Whichever way you use, ensure you are comparing equivalent deductibles and coverage limits for every quote you compare. If you are comparing different data it will be nearly impossible to determine which company has the best rates.
When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.
Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types available from car insurance companies.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Collision coverage – Collision coverage pays for damage to your Uplander from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.
Liability – Liability coverage will cover damage or injury you incur to other people or property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things like repair costs for stationary objects, court costs, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from 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 claims such as vandalism, damage from flooding, hitting a deer and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other drivers 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 2006 Chevy Uplander.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.