Nobody likes having to buy auto insurance, in particular when the cost is too high.
There is such a variety of car insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to compare company pricing.
Finding affordable coverage is quite easy. Just about everyone who is required by state law to have auto insurance will be able to find better rates. Nevertheless, vehicle owners must know the way insurance companies price insurance differently and take advantage of how the system works.
All the larger auto insurance companies allow you to get prices for coverage online. Getting online quotes is fairly simple as you just enter your coverage preferences into the quote form. Once entered, their rating system obtains your credit score and driving record and provides a quote determined by many factors. Quoting online streamlines rate comparisons, but the time required to go to different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find the best price on auto insurance.
Compare rates the easy way
The easiest way to lower your rates makes use of a single form that gets prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online shopping much easier. Once the form is submitted, it is rated and you are able to buy any of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.
In order to find out what other companies charge, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate quotes based on similar coverages.
Smart consumers have a good feel for the factors that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that can help you get better auto insurance rates.
Companies offering auto insurance don’t list all their discounts very well, so we took the time to find both the well known as well as the least known auto insurance savings.
A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.
A partial list of companies who might offer these money-saving discounts may include but are not limited to:
It’s a good idea to ask every prospective company how you can save money. Discounts might not be offered in your state.
When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs could use an agent’s help.
If you’re not sure about those questions but you know they apply to you then you might want to talk to 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
Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.
Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, ambulance fees, X-ray expenses, dental work and surgery. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hitting a deer, a broken windshield, damage from getting keyed and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Sunfire.
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.
Liability coverage can cover damage or injury you incur to other people or property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like medical services, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Collision coverage will pay to fix damage to your Sunfire caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.
When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your goal should be to buy enough coverage at the best price while still protecting your assets.
Throughout this article, we presented a lot of information how to save on 1999 Pontiac Sunfire insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier. Smaller companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.