Having to pay for overpriced car insurance can empty your bank account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Since consumers have many online and local companies to choose from, it is hard for the average consumer to locate the most affordable insurance company.
The quickest way to compare policy rates is to understand all the major auto insurance companies will pay a fee to compare their rates. The only thing you need to do is give the companies some data like if you have a valid license, your education level, distance driven, and the type of vehicles you drive. The data is sent automatically to many different companies and you should receive rate quotes quickly.
To compare multiple company rates now, click here and enter your zip code.
When it comes to choosing proper insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation may require specific advice.
If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.
Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.
Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hitting a deer, damage from flooding, vandalism and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills such as dental work, pain medications, nursing services and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Collision coverage – This coverage will pay to fix damage to your Durango caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sustaining damage from a pot hole, colliding with a tree, driving through your garage door, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Liability coverage – This protects you from damage that occurs to people or other property. This insurance protects YOU from legal claims by others. 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. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things like structural damage, pain and suffering, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but buy as much as you can afford.
Protection from uninsured/underinsured drivers – This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Durango.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.