Are you sick and tired of scraping the payment together to insure your Nissan every month? Your situation is no different than most other car owners.
Drivers have so many insurance companies to buy insurance from, and although it’s nice to have a selection, having more insurance companies makes it harder to compare company pricing.
The quickest method we recommend to get rate comparisons is to know the fact almost all companies provide online access to provide you with a free rate quote. To get started, all you need to do is provide a small amount of information including if it has an anti-theft system, the type of vehicles you drive, if the vehicle is leased, and whether the vehicles are used for commuting. That information is sent automatically to many of the top insurers and they return cost estimate very quickly.
When it comes to buying coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation may require specific advice.
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.
Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.
Collision coverages – This covers damage to your Juke caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch, hitting a parking meter, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.
Coverage for medical expenses – Med pay and PIP coverage kick in for expenses like pain medications, EMT expenses, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
Liability coverage – This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims like bail bonds, funeral expenses, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.
Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed, hail damage and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.