If you’re trying to find lower-cost insurance on the web, do you get confused by the wide range of insurance coverage choices? There are so many options that it can really be a real challenge to find lower insurance coverage rates.
Effectively comparing auto insurance prices can be a lot of work if you don’t know the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.
Many companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company provides a quote. This prevents consumers from doing quote forms for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
The only downside to comparing rates this way is you cannot specify the insurers you want to price. If you prefer to choose specific insurance companies to compare prices, we have a page of auto insurance companies in your area. Click to view list.
It’s up to you which method you use, but make darn sure you compare identical coverage limits for every quote you compare. If you have different coverage information then you won’t be able to decipher which rate is best. Quoting even small variations in limits could throw off the whole comparison. Just remember that comparing more quotes increases the change that you will find a lower rate than you’re paying now.
The price of auto insurance can be rather high, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you purchase, but a few must be requested specifically prior to receiving the credit.
A quick disclaimer, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
A few popular companies and a selection of discounts can be read below.
If you need low cost insurance quotes, ask every prospective company which discounts they offer. Depending on the company, some discounts might not be offered in your area. To view insurance companies that offer multiple discounts, click this link.
When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight whether your personal situation could use an agent’s help.
If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.
Understanding the coverages of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
Liability
Liability coverage will cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims like loss of income, attorney fees, pain and suffering and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2015 Mazda 5.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive (Other than Collision)
This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a deer, theft, rock chips in glass, damage from a tornado or hurricane and fire damage. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for bills for things like doctor visits, funeral costs, ambulance fees, nursing services and prosthetic devices. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Collision coverage protection
Collision coverage will pay to fix damage to your 5 resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like rolling your car, colliding with a tree, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.