Are you tired of not being able to afford to buy car insurance? You are no different than millions of other consumers.
Multiple auto insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the definite cheapest price
Shopping for lower car insurance rates can take hours if you don’t understand the most efficient way. You could spend your day driving to agents in your area, or you can stay home and use online quotes to get the quickest rates.
Many insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and each participating company then gives them pricing based on that information. This system prevents you from having to do quotation requests for every car insurance company.
To get comparison pricing now click here to start a free quote.
The only downside to pricing coverage this way is buyers cannot specifically choose the providers you want to price. If you prefer to choose specific providers to request quotes from, we put together a list of low cost car insurance companies in your area. Click to view list.
However you get your quotes, make darn sure you compare apples-to-apples deductibles and coverage limits with each company. If you enter different limits and deductibles on each one it will be very difficult to truly determine the lowest rate. Just a small difference in limits can mean a large discrepancy in price. Just remember that having more price comparisons will enable you to find the best price.
Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving.
Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, insurance coverage companies aren’t that generous.
For a list of insurance companies who offer insurance coverage discounts, follow this link.
When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining whether you may require specific advice.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.
Auto liability insurance – Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability coverage protects against things like emergency aid, loss of income, attorney fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.
Collision coverage – Collision insurance covers damage to your Eclipse from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like crashing into a ditch, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as ambulance fees, pain medications and X-ray expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mitsubishi Eclipse.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle, theft, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.