Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us, there are lots of people in the same boat. Consumers have many car insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to compare company pricing.
You need to compare prices occasionally because insurance rates are variable and change quite frequently. Just because you had the best rates for Sunfire insurance on your last policy there may be better deals available now. So forget anything you know (or think you know) about car insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.
Finding affordable coverage can be fairly easy. If you have a policy now or need a new policy, you can use these tips to find better prices and still get good coverage. Drivers just need to understand how to shop their coverage around online.
Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be asked for before being credited. If you don’t get every credit available, you are throwing money away.
A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.
To see a list of companies with the best car insurance discounts, click this link.
All the larger insurance companies such as Progressive, Allstate and GEICO provide prices on the web. The process is fairly simple as you just type in the coverage amounts you desire as detailed in the form. After you complete the form, the system automatically orders information on your driving record and credit history and returns a price. Online quotes streamlines rate comparisons, but having to visit multiple sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to get many rate quotes if you are searching for better insurance pricing.
There is a better way to compare rates
A more efficient way to get multiple rate quotes uses one simple form that gets price quotes from several companies at one time. It saves time, reduces the work, and makes comparison shopping much more efficient. As soon as the form is sent, it gets priced and you can choose any one of the price quotes you receive.
If you find a better price you simply finish the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.
In order to find out how much you’re overpaying now, click here and input your coverage information. To compare your current rates, we recommend you input the limits and deductibles just like they are on your policy. This ensures you will have a price comparison using the exact same coverages.
When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions may help you determine if your situation would benefit from an agent’s advice.
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.
Liability auto insurance
This coverage will cover damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as emergency aid, medical expenses, loss of income and medical services. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.
Collision coverage pays for damage to your Sunfire from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like rolling your car, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.
This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Sunfire.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are set the same as your liablity limits.
Medical expense coverage
Med pay and PIP coverage provide coverage for expenses for chiropractic care, funeral costs and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
We just covered a lot of ways to reduce 2003 Pontiac Sunfire insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best prices are with the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.
As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Additional information can be read at the links below