Buying discount auto insurance on the internet might appear rather difficult for consumers that are not comfortable with quoting and comparing prices on the web. With so many agents and companies competing online, how can consumers effectively compare the different rates to find the best available rates?
There are several ways to compare auto insurance prices but there is one way that is more efficient than others. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get the quickest rates.
Many companies are enrolled in a marketplace where insurance shoppers submit one quote, and each participating company can give them a price. This saves time by eliminating quotation requests for each company.
To compare rates now click here to start a free quote.
The one downside to doing it this way is buyers cannot specifically choose which carriers to receive prices from. If you would rather choose from a list of companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.
The approach you take is up to you, just be sure you’re using the same coverage limits for each price quote. If you are comparing different coverage information you will not be able to determine which company has the best rates. Just a small difference in coverage limits could throw off the whole comparison. Just remember that making a lot of price comparisons increases the change that you will find more affordable rates.
Companies do not advertise all possible discounts very well, so below is a list both well-publicized as well as some of the hidden credits available to you.
Drivers should understand that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.
Auto insurance companies that have most of the discounts above are:
When comparing rates, check with each company how many discounts you can get. Some credits may not be available in your area. If you would like to view insurance companies with significant discounts, click this link.
When it comes to choosing coverage, there is no one size fits all plan. Everyone’s needs are different.
For instance, these questions could help you determine if your situation would benefit from professional advice.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.
Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Land Rover Range Rover.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car, scraping a guard rail, rolling your car 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 lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
Liability insurance – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability can pay for claims like attorney fees, funeral expenses, medical services and structural damage. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills for things like hospital visits, surgery, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like theft, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.