Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than most other car owners. Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.
If you have a policy now or need new coverage, you can follow these tips to find better prices while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to know the proper way to get comparison rates online.
All the larger car insurance companies give coverage prices directly from their websites. The process is fairly straightforward as you just enter your coverage information as detailed in the form. After you complete the form, their system automatically retrieves reports for credit and driving violations and gives you a price quote. This makes it a lot easier to compare rates but the time required to go to different websites and complete many quote forms is monotonous and tiresome. But it’s very important to have as many quotes as possible in order to find better car insurance pricing.
A more efficient way to find cheaper rates uses one simple form that analyzes rates from several different companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable. Once the form is submitted, your coverage is rated and you are able to buy your choice of the quotes that you receive.
If a lower price is quoted, you can click and sign and buy the new coverage. This process takes less than 15 minutes and you will find out if you’re overpaying now.
In order to find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter deductibles and limits identical to your current policy. This guarantees you will have a fair comparison for the exact same coverage.
When choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining whether your personal situation will benefit from professional help.
If you don’t know the answers to 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 or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Understanding the coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.
This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as hitting a bird, vandalism, rock chips in glass and a broken windshield. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Cavalier.
Due to the fact that many drivers 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. Normally the UM/UIM limits are similar to your liability insurance amounts.
Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as attorney fees, pain and suffering, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for doctor visits, nursing services, prosthetic devices and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
This covers damage to your Cavalier caused by collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for things like colliding with another moving vehicle, backing into a parked car, crashing into a ditch, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.