Consumers who are new to shopping for insurance online might discover buying affordable insurance is not as easy as it seems.
Comparing car insurance rates can be exhausting if you don’t know the easiest way. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quotes to quickly compare rates.
Most of the larger companies enroll in a system that allows shoppers to complete one form, and each company then gives them pricing. This system prevents you from having to do quote forms for each company.
To access this free quoting program, click to open in new window.
The only drawback to using this type of form is that you can’t choose which carriers you want pricing from. So if you want to select from a list of companies to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click here to view list.
However you get your quotes, double check that you are using apples-to-apples coverages and limits on every quote. If you have different values for each quote you can’t possibly decipher which rate is best. Having just a slight variation in coverage limits may result in a large different in cost. And when price shopping your coverage, obtaining a wide range of quotes will enable you to find a better price.
Companies offering auto insurance do not list every available discount very clearly, so we researched both well-publicized and also the lesser-known ways to save on insurance coverage.
It’s important to note that some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like medical payments or collision. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.
To see a list of insurers with discount insurance coverage rates, click here to view.
When choosing the best insurance coverage coverage, there isn’t really a one size fits all plan. Every situation is different.
Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.
Having a good grasp of car insurance can help you determine the best coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2002 Mazda Protege.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Coverage for liability – This provides protection from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers claims such as funeral expenses, structural damage and medical services. How much liability should you purchase? That is up to you, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Insurance for medical payments – Med pay and PIP coverage kick in for expenses for things like funeral costs, prosthetic devices, pain medications, EMT expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. 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 coverage is not an option in every state and gives slightly broader coverage than med pay
Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as crashing into a ditch, hitting a parking meter, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.
As you prepare to switch companies, do not buy poor coverage just to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to find out they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Cheap 2002 Mazda Protege insurance is attainable online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.
People switch companies for any number of reasons including extreme rates for teen drivers, delays in responding to claim requests, high rates after DUI convictions or even policy non-renewal. Regardless of your reason, switching insurance coverage companies is less work than it seems.
Much more information about insurance coverage can be found at the links below