Price shopping your insurance coverage is challenging for beginners to comparing rates online. Drivers have so many companies to choose from that it can be a challenge to find the best price.
The best way we recommend to get rate comparisons is to know auto insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is provide information including whether you drive to work or school, the type of vehicles you drive, level of coverage desired, and daily mileage. Your details is automatically sent to multiple companies and you will get price comparisons instantly to find the best rate.
To start a rate quote now, click here and find out if lower rates are available.
When buying coverage, there is no “perfect” insurance plan. Every situation is different.
For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.
Knowing the specifics of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hail damage, damage from flooding, damage from getting keyed, a broken windshield and fire damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2010 Mitsubishi Galant.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.
Med pay and PIP coverage pay for bills for things like dental work, rehabilitation expenses, nursing services, surgery and pain medications. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
This covers damage to your Galant resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as colliding with a tree, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as loss of income, funeral expenses, legal defense fees, court costs and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.