Frustrated by the number of auto insurance companies in your area? Many other people are as well. You have so many options that it can easily turn into a lot of work to find better premium rates.
Consumers should take time to do price comparisons occasionally because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Grand Caravan insurance a year ago a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because you’re going to learn the right way to remove unneeded coverages and save money.
The easiest way to compare rates utilizes the fact most of the bigger providers have advanced systems to quote your coverage. All consumers are required to do is give them rating details like your credit rating estimate, whether or not you need a SR-22, the make and model of your vehicles, and whether the vehicles are used for commuting. That rating data is then submitted to insurance carriers in your area and they provide comparison quotes with very little delay.
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Insurance is easily one of your largest bills, but there could be significant discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you get a quote, but less common discounts must be specifically requested before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.
A little disclaimer on discounts, some of the credits will not apply the the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But any discount will positively reduce your premiums.
A few of the larger companies and a selection of discounts are shown below.
Before buying, ask every prospective company which credits you are entitled to. Savings might not be offered in your area. To see insurers that offer some of these discounts, follow this link.
When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.
Here are some questions about coverages that could help you determine if you might need an agent’s assistance.
If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.
Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for things such as attorney fees, legal defense fees, medical expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.
Collision insurance pays for damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.
Uninsured and underinsured coverage
This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Grand Caravan.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like a broken windshield, fire damage, damage from a tornado or hurricane, hitting a bird and falling objects. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like ambulance fees, EMT expenses, funeral costs, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible