Comparing insurance coverage rates online can be difficult if you have never used quoting online. Don’t let that stop you because we’re going to show you how.
Most companies give coverage price quotes on their websites. The process is pretty painless as you just enter your coverage preferences as requested by the quote form. After the form is submitted, their rating system will obtain your driving record and credit report and returns a price quote.
Online price quotes helps simplify price comparisons, but the work required to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to get many rate quotes if you want to find a better rate.
Quote rates the easy way
The smarter way to find lower prices uses one form to obtain quotes from several companies at one time. The form is fast, eliminates form submissions, and makes comparison shopping much easier. After sending the form, it is quoted and you are able to buy any or none of the quotes returned.
If the quotes result in lower rates, you can click and sign and buy the new coverage. This process takes just a few minutes to complete and you’ll know if lower rates are available.
In order to get comparison pricing now, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. This helps ensure you are getting a fair comparison using the exact same coverages.
When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.
For example, these questions may help you determine whether you would benefit from professional advice.
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.
Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Liability coverage – This coverage provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $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. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for things like funeral expenses, pain and suffering, medical services, structural damage and legal defense fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like falling objects, rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Malibu.
Since many drivers 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 very important. Most of the time these coverages do not exceed the liability coverage limits.
Medical payments coverage and PIP – Med pay and PIP coverage pay for immediate expenses for surgery, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverages – This coverage pays for damage to your Malibu resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as hitting a mailbox, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.