Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, many consumers feel financially strained by their auto insurance policy. Drivers have multiple insurers to choose from, and even though it’s nice to be able to choose, lots of choices makes it harder to adequately compare rates.
Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we took the time to find both the well known as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.
Keep in mind that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you can get free auto insurance, insurance coverage companies aren’t that generous.
For a list of insurance companies who offer insurance coverage discounts, click this link.
Most companies such as Geico, State Farm and Progressive give price estimates directly from their websites. Getting quotes doesn’t take a lot of time as you just enter your coverage preferences into the quote form. Once you submit the form, the system sends out for your driving record and credit report and quotes a price based on these factors. This simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price possible.
Isn’t there an easier way to compare rates?
A quicker way to locate the lowest prices is to use a quote form that gets prices from a bunch of companies at once. It saves time, reduces the work, and makes online shopping much more efficient. As soon as the form is sent, your coverage is rated and you can choose any one of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It just takes a couple of minutes and may save quite a bit of money.
If you want to get comparison pricing now, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you replicate the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate quotes for similar coverage.
When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine if you could use an agent’s help.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for bills for things like chiropractic care, EMT expenses, prosthetic devices, X-ray expenses and surgery. 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 as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage will cover damage or injury you incur to other people or property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims like legal defense fees, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like falling objects, damage from getting keyed, hitting a bird, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This coverage pays for damage to your Ranger resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Ranger.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
We covered a lot of ways to compare 2000 Ford Ranger insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with the least-expected company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
Cheaper insurance is possible on the web as well as from independent agents, and you should be comparing both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
To learn more, link through to the articles below: