Are you intimidated by the wide range of insurance company choices? Many other consumers are too. Drivers have so many options available that it can turn into a big hassle to compare prices.
Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.
A little note about advertised discounts, most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way.
Car insurance companies that may offer these discounts are:
Double check with each company which discounts they offer. Discounts might not be offered in every state.
An important part of buying insurance is that you know some of the elements that help determine your auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.
When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.
For example, these questions may help highlight if your situation might need an agent’s assistance.
If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for bills such as doctor visits, ambulance fees, chiropractic care and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, 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.
Liability auto insurance
This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.
Liability coverage pays for things like bail bonds, pain and suffering, medical expenses, loss of income and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.
Collision coverage protection
This coverage covers damage to your Astro from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as backing into a parked car, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like fire damage, a tree branch falling on your vehicle and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced physical damage coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
Low-cost 1999 Chevy Astro insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. A few companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.
You just learned a lot of information how to lower your insurance rates. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the best prices are with a small mutual company.
Much more information about car insurance can be found at the links below