Finding low-cost insurance coverage over the internet can seem to be challenging for people who are new to comparison shopping online. When there are so many insurers available, how can drivers possibly compare them all to find the lowest rates?
There are a lot of ways to shop for auto insurance, and some are easier and takes less work. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.
Most car insurance companies take part in a program that allows shoppers to send in one quote, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests to each company.
To participate in this free quote system, click to open in new window.
The one downside to comparing rates this way is you can’t choose which companies to get quotes from. If you would rather choose individual companies to compare, we have assembled a list of auto insurance companies in your area. Click here to view list.
It’s up to you which method you use, but compare the exact same coverages for each price quote. If you have differing limits it will be next to impossible to determine which rate is truly the best. Just a small difference in coverage limits may cause a big price difference. Just remember that getting more free quotes gives you a better chance of getting a lower rate.
When it comes to buying adequate coverage, there is no cookie cutter policy. Every insured’s situation is different.
Here are some questions about coverages that could help you determine if you might need professional guidance.
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Having a good grasp of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Collision coverages – This coverage covers damage to your CLA-Class resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as doctor visits, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Liability car insurance – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage pays for things such as funeral expenses, legal defense fees, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” 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.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Comprehensive car insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like rock chips in glass, fire damage, damage from a tornado or hurricane and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.