Are you sick and tired of being strong-armed to buy car insurance? You’re in the same situation as the majority of other car owners. With so many choices, it can be diffult for consumers to find the cheapest insurer.
Finding a lower price on 1996 Nissan Pathfinder insurance is not a difficult process. Just take a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.
The recommended way to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for a different quote for every insurance coverage company. One form will return quotes instantly.
A less efficient way to compare rate quotes consists of going to the website for each individual company to complete a price quote. For example, we’ll pretend you want comparison quotes from Nationwide, Progressive and Liberty Mutual. You would have to go to every website and enter your policy data, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The hardest method to get comparison rates is to spend time driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. You can, however, comparison shop online and get advice from an agent in your area and we’ll talk about that later.
It doesn’t matter which method you choose, just be sure to compare identical coverages and limits on every quote. If you enter different liability limits you can’t possibly decipher which rate is best.
Car insurance companies don’t list every discount very well, so we researched both the well known as well as the least known savings tricks you should be using. If you don’t get every credit available, you are throwing money away.
Drivers should understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
To see a list of companies offering insurance discounts, follow this link.
When buying adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you will benefit from professional help.
If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.
Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as sideswiping another vehicle, crashing into a ditch, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.
Liability – This coverage will cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.
Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, loss of income, attorney fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, ambulance fees, dental work, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people 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.
Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as falling objects, damage from a tornado or hurricane and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.