Are you sick and tired of paying out the nose to buy car insurance? You’re in the same situation as many other drivers. Insurance companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with advertising and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.
It’s smart to shop coverage around before your policy renews because prices trend upward over time. Just because you had the best price for Aztek insurance last year you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about insurance coverage because I’m going to teach you the proper way to remove unneeded coverages and save money.
Most major insurance companies such as Allstate and Progressive provide insurance quotes directly from their websites. Getting quotes is fairly straightforward as you just enter your coverage preferences into the quote form. When the form is submitted, the company’s rating system will obtain reports for credit and driving violations and generates a price. Online price quotes helps simplify price comparisons, but the time it takes to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest possible prices on auto insurance.
There is an easier way!
The smarter way to find lower prices utilizes a single form to get prices from a lot of companies. It saves time, requires less work, and makes online shopping much more enjoyable and efficient. After your information is entered, it is rated and you can select your choice of the returned quotes. If you find a better price it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and could lower your rates considerably.
To save time and find out how much you can save on auto insurance, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you replicate deductibles and limits exactly as they are listed on your policy. This ensures you’re receiving rate quotes based on the exact same insurance coverage.
Companies don’t list all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.
Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you’re out of luck.
For a list of insurance companies with discount insurance coverage rates, follow this link.
When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might help in determining if you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Knowing the specifics of auto insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on most auto insurance policies.
Collision coverage protection
Collision coverage will pay to fix damage to your Aztek resulting from colliding 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 protects against claims like backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for expenses such as nursing services, funeral costs, ambulance fees, pain medications and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible
This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like vandalism, damage from flooding and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Coverage for liability
Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability coverage pays for claims such as repair bills for other people’s vehicles, legal defense fees and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.