Comparison shopping for insurance can seem to be challenging for consumers not familiar with buying insurance online. Drivers have so many companies to choose from that it can easily become a challenge to compare prices.
It’s a good habit to check insurance prices occasionally because prices change frequently. Just because you found the best price for VUE coverage a year ago the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in the fastest way to remove unneeded coverages and save money.
Most companies like State Farm, GEICO and Progressive provide coverage price quotes directly from their websites. Getting quotes is pretty painless as you just enter your personal and coverage information as requested by the quote form. When complete, their system gets reports for credit and driving violations and returns a price based on these and other factors.
Online quotes streamlines rate comparisons, but the process of having to visit different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find the best price possible.
A more efficient way to find better insurance pricing uses one simple form to return rates from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. As soon as you send your information, it gets priced and you can select any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.
In order to fill out one form to compare multiple rates now, click here and fill out the form. If you have your current policy handy, we recommend you replicate your coverages as close as possible to your current policy. This ensures you will get a price comparison based on the exact same insurance coverage.
Car insurance companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find insurance savings.
It’s important to understand that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.
Companies that may offer these benefits include:
Before buying, ask each insurance company which discounts they offer. Discounts might not apply in every state.
When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.
For example, these questions can help discover whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.
Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Liability coverage – Liability coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for 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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as medical expenses, legal defense fees and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2008 Saturn VUE.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hail damage, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as rehabilitation expenses, pain medications, EMT expenses and dental work. They are 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 in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision – Collision insurance covers damage to your VUE from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as hitting a parking meter, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.