Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you you’re not the only one. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.
Most major insurance companies like 21st Century, Allstate and State Farm quote prices on the web. This process doesn’t take a lot of time as you simply type in your personal and coverage information as detailed in the form. Behind the scenes, their rating system sends out for credit information and your driving record and generates a price based on these factors. Online quotes makes comparing rates easy, but having to visit several different sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to perform this step in order to get the lowest auto insurance rates.
There is an easier way!
A less time-consuming method to find cheaper rates is to use a quote form to get prices from several different companies. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable and efficient. After sending the form, it is rated with multiple companies and you can pick your choice of the returned quotes.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.
If you want to compare rates using this form now, click here and begin entering your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. This ensures you will get an apples-to-apples comparison for exact coverage.
Smart consumers have a good feel for the rating factors that help determine insurance coverage rates. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to big savings.
Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but a few must be inquired about before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.
Drivers should understand that most discounts do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your overall premium however.
To see a list of insurance companies with discount auto insurance rates, click here.
When choosing adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your situation might need professional guidance.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.
Coverage for medical payments and/or PIP pay for immediate expenses such as nursing services, surgery, X-ray expenses, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2006 MINI Cooper.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as a tree branch falling on your vehicle, vandalism, hitting a bird, falling objects and hitting a deer. The highest amount you can receive from a comprehensive 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 coverage covers damage to your Cooper resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like colliding with a tree, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.
Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like attorney fees, pain and suffering, court costs, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.
While you’re price shopping online, do not buy poor coverage just to save money. Too many times, an accident victim reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
Lower-priced 2006 MINI Cooper insurance can be bought online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.