Have you had enough of scraping the payment together each month for car insurance? You are in the same boat as millions of other consumers.
Companies like State Farm, Progressive and Geico continually hit you with advertising and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.
Most companies such as State Farm, Allstate and Geico provide pricing on their websites. Obtaining pricing doesn’t take much effort as you just enter your coverage preferences into the quote form. When the form is submitted, their rating system automatically orders credit information and your driving record and returns a price quote determined by many factors. Online price quotes makes comparing rates easy, but the work required to visit different websites and type in the same information can get tiresome after awhile. But it is imperative to compare as many rates as possible if you want to find the best price possible.
There is a better way to compare rates
A more efficient way to find lower prices is to use a quote form that gets prices from several companies at one time. It’s a real time-saver, reduces the work, and makes price shopping online a lot less work. As soon as you send your information, it is quoted and you are able to buy your choice of the pricing results.
If you find a better price you can simply submit the application and purchase coverage. It only takes a few minutes and may save quite a bit of money.
To quickly find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you complete the form with coverages and limits identical to your current policy. Using the same limits helps guarantee you will get comparison quotes for similar insurance coverage.
Car insurance providers like State Farm, Allstate and Geico consistently run ads in print and on television. They all make an identical promise about savings if you change to them. How can each company make almost identical claims?
Insurance companies have a certain “appetite” for the right customer that earns them a profit. An example of a desirable insured might be a mature driver, is a homeowner, and has excellent credit. A driver who matches those parameters will get very good rates and therefore will save when switching.
Drivers who don’t meet the requirements will be quoted a more expensive rate and this can result in business going elsewhere. The ads state “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently advertise the way they do.
This emphasizes why it’s extremely important to get as many quotes as possible. It’s impossible to know which company will fit your personal profile best.
Car insurance is not cheap, buy you may qualify for discounts that can drop the cost substantially. Most are applied at the time of quoting, but some may not be applied and must be asked about before they will apply.
Drivers should understand that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your overall premium however.
Insurance companies who might offer these discounts are:
Before buying, ask each insurance company which discounts you may be entitled to. Discounts may not apply in every state.
When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions can help discover if your insurance needs could use an agent’s help.
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.
Comprehensive protection – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage – This coverage will pay to fix damage to your Cabriolet from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as crashing into a building, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, prosthetic devices, doctor visits, surgery and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Liability insurance – This protects you from damages or injuries you inflict on other people or 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. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as repair costs for stationary objects, structural damage, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Uninsured or underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi Cabriolet.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.
We covered a lot of techniques to compare 1997 Audi Cabriolet insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best prices are with a lesser-known regional company. These companies can often insure niche markets at a lower cost compared to the large companies like Geico and State Farm.
Cheap insurance is possible from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, drivers have reduced collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at an affordable rate.
Additional information can be read on the following sites: