Nobody I know looks forward to buying insurance, especially knowing they are paying too much. You have so many car insurance companies to choose from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.
It’s a good habit to shop coverage around occasionally since insurance rates are rarely the same from one policy term to another. Just because you found the best price for tC insurance a few years ago you can probably find a lower rate today. There is a lot of wrong information about insurance on the web, but by reading this article, you’re going to learn a bunch of ideas how to find affordable insurance.
Effectively comparing auto insurance prices is a ton of work if you don’t understand the easiest way. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can stay home and use the web to get pricing more quickly.
All the larger companies enroll in a system where prospective buyers only type in their quote data once, and every company returns a competitive quote for coverage. This eliminates the need for quotation requests to every company. To compare 2008 Scion tC rates using this form now click here (opens in new window).
The only drawback to pricing coverage this way is you can’t choose the insurers you want pricing from. So if you want to select from a list of companies to compare prices, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, make absolute certain that you use exactly the same quote information on every quote you get. If you have mixed coverages you will not be able to make a fair comparison for your Scion tC.
Companies don’t always publicize all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.
As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
To see a list of providers with the best auto insurance discounts, click this link.
When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover if you could use an agent’s help.
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.
Knowing the specifics of a car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.
Liability insurance will cover damage or injury you incur to a person or their property. It protects you against other people’s claims. It does not cover 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. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability can pay for claims like funeral expenses, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Scion tC.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, a broken windshield, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for expenses for X-ray expenses, hospital visits, nursing services and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage