Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy.
Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the definite cheapest price
All the larger car insurance companies such as Allstate, Geico and Progressive give coverage prices online. Obtaining pricing is pretty easy as you just type in your coverage preferences into a form. Once you submit the form, the company’s rating system will obtain your credit score and driving record and generates a price based on these and other factors. Quoting online streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find the best price possible.
The preferred way to find lower prices makes use of a single form that gets prices from more than one company. This type of form saves time, requires much less work on your part, and makes rate comparisons much easier to do. As soon as you send your information, it is rated and you can select your choice of the price quotes you receive.
If you find a better price you can click and sign and buy the new coverage. It takes just a few minutes to complete and can result in significant savings.
To save time and compare rates now, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you duplicate the coverage information just like they are on your policy. This guarantees you will have a rate comparison for similar coverage.
Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Most are applied when you get a quote, but less common discounts must be inquired about before you get the savings.
It’s important to note that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.
For a list of insurers with discount auto insurance rates, follow this link.
When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions can aid in determining if your situation could use an agent’s help.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like hitting a bird, damage from getting keyed, theft, rock chips in glass and falling objects. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as X-ray expenses, EMT expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
Liability – This provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like loss of income, attorney fees and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Collision coverages – This pays for damage to your Charger resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.
As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.
Low-cost 2006 Dodge Charger insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
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