Searching for the most affordable insurance on the web may be challenging for people who are new to comparing rates online. With so many insurers to choose from, how can consumers have a chance to compare the different rates to find the lowest price available?
All major insurance coverage companies like Progressive, GEICO, Allstate and State Farm allow you to get prices directly from their websites. Obtaining pricing is pretty painless as you simply type in the amount of coverage you want into the quote form. When complete, the company’s rating system automatically retrieves your driving and credit reports and returns a price quote based on these and other factors.
This makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. But it’s absolutely necessary to do this in order to find a better rate.
There is a better way!
The easiest way to find better insurance coverage pricing utilizes a single form to obtain quotes from several companies at one time. It saves time, eliminates form submissions, and makes comparison shopping much easier. Immediately after you send the form, your coverage is rated and you can select your choice of the quote results.
If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and can result in significant savings.
To save time and compare pricing, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you input the insurance coverages as close as possible to your current policy. Using the same limits helps guarantee you will have a price comparison for exact coverage.
Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Most are applied when you purchase, but a few need to be asked about before they will apply.
Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.
To see a list of insurers who offer insurance coverage discounts, follow this link.
When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.
Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like colliding with a tree, sideswiping another vehicle, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Comprehensive auto coverage – This covers 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 claims like damage from getting keyed, rock chips in glass and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for liability – This coverage can cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as attorney fees, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Suzuki Grand Vitara.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, EMT expenses, doctor visits, hospital visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay