Are you sick and tired of not being able to scrape enough together to buy car insurance? You are no different than the majority of other drivers.
Drivers have many car insurance companies to buy insurance from, and though it is a good thing to have a choice, it can be more difficult to find the lowest rates.
You need to price shop coverage occasionally since insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates for GTI coverage six months ago you can probably find a better rate quote now. Forget all the misinformation about car insurance because I’m going to teach you the fastest way to lower your annual insurance bill.
Finding the best rates is not that difficult. If you have car insurance now, you should be able to cut costs considerably using this information. But drivers need to have an understanding of the methods companies use to market insurance on the web.
There are several ways to compare insurance coverage prices but some are more efficient than others. You could spend your day driving to local insurance agents in your area, or you could use the internet for quick rates.
Many of the larger companies take part in a program that enables customers to submit one quote, and each participating company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions to every company.
To submit your quote information now, click here to open in new window.
The only drawback to using this type of form is buyers cannot specifically choose which carriers you want to price. If you would rather choose specific providers for rate comparison, we have a page of insurance coverage companies in your area. Click here to view list.
How you compare quotes is your choice, just try to keep equivalent coverage limits and deductibles for each quote you get. If your comparisons have higher or lower deductibles it will be impossible to determine which company has the best rates. Slightly different limits may cause a big price difference. And when quoting insurance coverage, remember that comparing all the rates in your area increases the change that you will find more affordable rates.
When it comes to buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine whether or not you might need professional guidance.
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most auto insurance policies.
Liability car insurance
Liability insurance protects you from damage or injury you incur to people or other property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability can pay for claims such as medical expenses, bail bonds, loss of income, medical services and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
Comprehensive auto insurance
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision protection
This covers damage to your GTI resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like hitting a mailbox, driving through your garage door, hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen GTI.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for expenses for rehabilitation expenses, EMT expenses, ambulance fees and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage