Are you tired of robbing Peter to pay Paul to insure your Chevy every month? You’re in the same situation as many other consumers. Having so many insurance providers from which to choose, it can be impossible to pick the lowest cost company.
Choosing the best insurance company for you is quite easy. If you have a policy now or are just looking to switch companies, you can use these tips to find the best rates and possibly find even better coverage. Drivers only need an understanding of the best way to compare prices on the web.
The easiest way to compare policy rates is to understand most insurance companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details including daily mileage, your credit rating estimate, if your license is active, and if a SR-22 is needed. The data is then sent to multiple companies and you should receive rate quotes quickly.
Companies don’t list every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on insurance. If they aren’t giving you every credit available, you are paying more than you should be.
It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.
Car insurance companies that may offer some of the above discounts may include but are not limited to:
Before buying, ask each company which discounts they offer. Discounts might not apply in every state.
When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might help in determining if you might need professional guidance.
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Learning about specific coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages available from auto insurance companies.
This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like hail damage, rock chips in glass, hitting a bird, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This coverage covers damage to your Cavalier 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 coverage protects against claims such as scraping a guard rail, hitting a mailbox, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as X-ray expenses, funeral costs and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Cavalier.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
This can cover injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims such as medical services, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.