Have you had enough of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other drivers. Drivers have so many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to find a good deal.
Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some must be inquired about prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
Keep in mind that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will reduce the cost of coverage.
To see a list of companies with discount auto insurance rates, click here to view.
When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can help discover whether or not you will benefit from professional help.
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.
Collision – This will pay to fix damage to your Compass resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a building, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, EMT expenses, surgery, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for liability – Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as medical services, court costs, pain and suffering and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
Affordable 2012 Jeep Compass insurance can be bought from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed collision coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at the best price.
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