Price shopping your insurance coverage is challenging for consumers not familiar with buying insurance online. You have so many options available that it can be a ton of work to compare prices.
If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Locating more affordable insurance coverage is not that difficult. But drivers do need to know the way insurance companies compete online.
Companies offering auto insurance don’t list every available discount in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free insurance coverage policy, companies wouldn’t make money that way.
Companies who might offer these money-saving discounts are:
Before buying, ask all companies you are considering what discounts are available to you. Some discounts might not be offered in your state.
All the larger car insurance companies like Progressive, GEICO, Allstate and State Farm quote coverage price quotes online. Getting online quotes is fairly straightforward as you simply type in your coverage preferences as detailed in the form. After the form is submitted, the system makes automated requests for your driving record and credit report and provides a quote based on many factors.
Being able to quote online simplifies rate comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. But it is imperative to do this in order to get the lowest possible prices on car insurance.
There is an easier way!
A more efficient way to find better car insurance pricing uses one form that obtains quotes from several companies at one time. This type of form saves time, eliminates form submissions, and makes online quotes much more efficient. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.
To compare pricing, click here and submit your coverage information. If you have coverage now, it’s recommended you input deductibles and limits as shown on your current policy. Doing this guarantees you will have an apples-to-apples comparison for exact coverage.
It’s important that you understand the rating factors that go into determining the price you pay for insurance coverage. Knowing what impacts premium levels enables informed choices that will entitle you to big savings.
When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is unique.
For instance, these questions could help you determine whether you might need professional guidance.
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Learning about specific coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like X-ray expenses, ambulance fees, nursing services and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible
Comprehensive coverages – This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield, hail damage and rock chips in glass. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2016 Chevy Cruze.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Coverage for liability – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like medical services, medical expenses, attorney fees, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as large an amount as possible.
Collision coverages – This will pay to fix damage to your Cruze caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.
While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at a price you can afford.
Drivers switch companies for a number of reasons such as delays in paying claims, denial of a claim, an unsatisfactory settlement offer or even delays in responding to claim requests. Whatever your reason, switching companies is less work than it seems.
Cheaper 2016 Chevy Cruze insurance is definitely available on the web and with local insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not offer online quoting and most of the time these smaller companies sell through independent agents.
Additional auto insurance information is available on the following sites: