Tired of trying to scrape together enough money to buy car insurance? You are no different than the majority of other car owners.
With so many companies to choose from, it can be diffult for consumers to pick the lowest cost provider.
Buying affordable protection is simple if you know the tricks. In a nutshell, anyone who carries insurance will be able to lower their premiums. But drivers need to learn how the larger insurance companies sell online and use this information to your advantage.
An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with better car insurance rates.
Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. Some trigger automatically at quote time, but a few need to be specially asked for before being credited.
Keep in mind that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will bring down the cost of coverage.
A partial list of companies that may have some of the above discounts include:
Double check with each company what discounts are available to you. Discounts may not be available in every state.
Insurance coverage companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim that you can save if you move to their company. How does each company claim to save you money? This is how they do it.
Insurance companies have a preferred profile for the driver that earns them a profit. An example of a profitable customer could be between 25 and 40, has no tickets, and has a high credit rating. A propective insured who matches those parameters receives the best rates and therefore will save when they switch companies.
Potential customers who don’t qualify for these standards will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can make those claims.
Because of the profiling, drivers must get a wide range of price quotes. You cannot predict the company that will give you the biggest savings on Chevy Astro Cargo insurance.
When buying adequate coverage, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you would benefit from professional advice.
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2003 Chevy Astro Cargo.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are set the same as your liablity limits.
Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a bird, hitting a deer and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as repair costs for stationary objects, legal defense fees, medical expenses and bail bonds. How much coverage you buy is up to you, but you should buy as large an amount as possible.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as chiropractic care, funeral costs, dental work and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Throughout this article, we presented a lot of techniques to reduce 2003 Chevy Astro Cargo insurance prices online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a smaller regional carrier. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.
As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford.
More tips and info about insurance coverage can be found in the articles below: