Are you a victim of an underperforming, overpriced insurance policy? Trust us, you’re not alone.
There are many car insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and find the lowest cost insurance.
All major auto insurance companies such as Allstate, Geico and Progressive give prices on the web. Obtaining pricing is fairly straightforward as you simply enter the amount of coverage you want as requested by the quote form. When complete, their system orders your driving and credit reports and gives you a price quote. Online quotes streamlines rate comparisons, but the process of having to visit a lot of sites and type in the same information can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find the lowest auto insurance rates.
There is a better way!
The preferred way to find cheaper rates makes use of a single form that gets price quotes from multiple companies. It saves time, eliminates repetitive work, and makes online price comparison a lot less work. After your information is entered, your coverage is rated with multiple companies and you can pick any one of the pricing results.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process takes less than 15 minutes and could lower your rates considerably.
To save time and compare pricing, click here and complete the simple form. If you currently have coverage, we recommend you replicate deductibles and limits identical to your current policy. This ensures you are getting a fair comparison for similar insurance coverage.
Car insurance is not cheap, but you can get discounts to cut the cost considerably. Most are applied at the time of quoting, but some must be manually applied before you will receive the discount.
Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down the cost of coverage.
A partial list of companies that may have these money-saving discounts may include but are not limited to:
Check with each company which discounts they offer. All car insurance discounts might not apply everywhere.
When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation might need an agent’s assistance.
If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.
Collision coverage – Collision coverage pays for damage to your V8 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch, backing into a parked car and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like rehabilitation expenses, surgery, dental work and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Liability coverages – This will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like funeral expenses, pain and suffering, court costs and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, hitting a bird and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are identical to your policy’s liability coverage.
We just presented many tips how you can lower your 1992 Audi V8 insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.
The cheapest insurance is definitely available both online as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice collision coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at an affordable rate.