Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance. Companies like State Farm, Allstate, GEICO and Progressive continually hit you with ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
If you have insurance now or need a new policy, you can use these tips to find the best rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Consumers just need to know the proper methods to shop for insurance coverage on the web.
Auto insurance companies do not list every discount very well, so the following is a list of both the well known and the harder-to-find savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.
Keep in mind that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.
Insurance companies that may have some of the above discounts may include but are not limited to:
Before buying, ask each insurance company what discounts are available to you. Some discounts might not apply in your state.
There are multiple methods you can shop for 2010 Volkswagen Routan insurance and some are more efficient than others. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web for quick rates.
Most major companies belong to an insurance system that enables customers to enter their policy data once, and each company can provide price quotes. This system prevents you from having to do repetitive form submissions to each individual insurance company.
To find out how much you can save on insurance click here to open in new window.
The one disadvantage to pricing coverage this way is you don’t know exactly which carriers to receive prices from. So if you prefer to choose specific insurance companies to request quotes from, we have a page of insurance companies in your area. View list of insurance companies.
It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverages on every quote. If you have different limits and deductibles on each one it will be very difficult to make an equal comparison.
When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover if you may require specific advice.
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Knowing the specifics of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.
Liability auto insurance
Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims like court costs, repair bills for other people’s vehicles, attorney fees, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2010 Volkswagen Routan.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for bills for things like rehabilitation expenses, pain medications and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This will pay to fix damage to your Routan resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with a tree, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
Affordable 2010 Volkswagen Routan insurance is available on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
We just presented a lot of techniques to shop for insurance online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.