Have you had enough of being strong-armed to buy car insurance? You’re in the same situation as many other drivers. Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest rate possible.
It is always a good idea to price shop coverage on a regular basis since insurance rates change quite often. Despite the fact that you may have had the lowest price on Cube insurance last year a different company probably has better rates today. There is a lot of bad advice regarding car insurance online but I’m going to show you some solid techniques on how to buy car insurance cheaper.
If you have insurance now or need new coverage, you can use this information to shop for the lowest rates while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to learn how to compare prices online.
An important part of buying insurance is that you know the rating factors that go into determining your auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with better auto insurance rates.
Properly insuring your vehicles can get expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but some must be asked about before being credited. If they aren’t giving you every credit available, you are paying more than you should be.
As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free insurance coverage policy, it doesn’t quite work that way. But any discount will reduce your premiums.
A partial list of companies who might offer some of the above discounts may include but are not limited to:
Double check with all companies you are considering which discounts they offer. Some discounts may not apply in every state.
When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether or not you could use an agent’s help.
If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.
Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.
Collision coverage – Collision insurance pays for damage to your Cube caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch, driving through your garage door, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.
Auto liability – Liability insurance can 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 limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like bail bonds, loss of income, legal defense fees, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.
Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they 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 carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a deer, theft, a broken windshield and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses for chiropractic care, pain medications, prosthetic devices and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Cheap 2012 Nissan Cube insurance can be bought from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
When you buy insurance online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.
Even more information is available in these articles: