Are you a victim of an overpriced auto insurance policy? Trust us, there are many consumers feeling the pinch from expensive auto insurance.
There are many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to find the best rates for your vehicles.
The quickest method we recommend to compare rates is to know the fact most insurance companies allow for online access to quote your coverage. To start a quote, the only thing you need to do is give them rating details including your general credit rating, which vehicles you own, if it has an anti-theft system, and daily mileage. The rating information is instantly submitted to insurance carriers in your area and you get price estimates within a short period of time.
To start a rate quote now, click here and complete the quick form.
When choosing proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation may require specific advice.
Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.
Collision coverage pays for damage to your Taurus resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a mailbox, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.
Liability car insurance
This can cover injuries or damage you cause to other’s property or people. It protects you against claims from other people. 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 commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims such as repair costs for stationary objects, medical services, legal defense fees, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.
Medical expense coverage
Coverage for medical payments and/or PIP pay for expenses such as dental work, nursing services, X-ray expenses and surgery. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as falling objects, damage from getting keyed, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Uninsured or underinsured coverage
This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Taurus.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.