Are you tired of not being able to afford to pay your car insurance bill each month? You’re in the same situation as many other consumers. Insurance companies such as GEICO and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.
It’s a good idea to compare prices quite often because insurance rates change frequently. Even if you think you had the best price for Sebring coverage a year ago you can probably find a better price now. There is too much inaccurate information about insurance coverage on the web, but by reading this article, you’re going to learn some tested techniques to stop overpaying for insurance.
If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of the most effective way to compare rates on the web.
Cutting your insurance rates is actually quite simple. All you need to do is take the time to get quotes online from several insurance companies. This can be done in a couple of different ways.
One of the best ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do repetitive form submissions for each company you want a rate for. A single form will return price quotes from several companies.
A more time consuming way to get comparison quotes requires you to visit the website for every company you want to comare to complete a price quote. For example, we’ll pretend you want to compare Farmers, 21st Century and GEICO. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.
Whichever way you use, make sure you use exactly the same coverage limits and deductibles on every quote you get. If you are comparing mixed coverages it’s impossible to make a fair comparison for your Chrysler Sebring.
When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions can aid in determining whether or not you might need professional guidance.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.
Collision coverage protection
Collision insurance will pay to fix damage to your Sebring from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, EMT expenses and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible
Uninsured and underinsured coverage
This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chrysler Sebring.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Coverage for liability
Liability coverage can cover damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things like structural damage, loss of income, pain and suffering and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.