Nobody I know cherishes buying car insurance, especially knowing the cost is too high. Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the definite best rate
All major insurance companies such as State Farm, GEICO and Progressive allow you to get pricing directly from their websites. Getting online rates is fairly simple as you simply type in the coverages you want as detailed in the form. When the form is submitted, their rating system obtains reports for credit and driving violations and returns a price. Online price quotes makes it a lot easier to compare rates but the work required to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to find better insurance pricing.
There is a better way!
A quicker way to get multiple rate quotes requires only one form that obtains quotes from many companies. This type of form saves time, reduces the work, and makes quoting online much easier to do. Once the form is submitted, it is rated and you can choose your choice of the pricing results. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.
To save time and find out how much you’re overpaying now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with the coverage information as close as possible to your current policy. This guarantees you will have rate quotes based on identical coverages.
Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we break down some of the best known and the harder-to-find ways to save on insurance. If you aren’t receiving every discount available, you’re just leaving money on the table.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.
For a list of insurers with the best insurance discounts, click here to view.
When buying the best insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions may help highlight 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 an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Knowing the specifics of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Acura MDX.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.
Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as rolling your car, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.
Liability auto insurance – Liability coverage protects you from damage that occurs to other people or property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability coverage protects against things like repair costs for stationary objects, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.
Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills for rehabilitation expenses, chiropractic care, prosthetic devices and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage – This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like damage from flooding, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.