Nobody looks forward to buying auto insurance, particularly when their premiums are too high. You have multiple car insurance companies to pick from, and although it’s a good thing to have a selection, it can be more difficult to get the best deal.
Smart consumers take time to check auto insurance prices on a regular basis due to the fact that insurance rates go up and down regularly. If you had the best rates on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you’re about to find out the only way to buy cheaper auto insurance.
Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.
All the larger auto insurance companies such as Allstate and Progressive quote coverage prices online. Getting online quotes doesn’t take much effort as you simply type in your personal and coverage information as detailed in the form. After you submit the form their rating system obtains your driving and credit reports and generates pricing information. Online quotes makes comparing rates easy, but the work required to visit several different sites and type in the same information can get tiresome after awhile. But it is imperative to do this in order to find the best price possible.
There is an easier way!
The smarter way to lower your auto insurance bill utilizes a single form to get prices from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, it is quoted and you can choose any of the resulting price quotes. If you find a better price it’s easy to complete the application and buy the policy. The entire process just takes a couple of minutes and you will know how your current rates stack up.
To quickly compare rates now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you type in coverages and limits identical to your current policy. This helps ensure you will have comparison quotes based on identical coverages.
When buying the best auto insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether or not you might need professional guidance.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Learning about specific coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-81.jpg" alt="lower rates in Wisconsin” />
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for doctor visits, nursing services and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage covers damage to your vehicle from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like crashing into a ditch, damaging your car on a curb, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.
Uninsured and underinsured coverage
This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.
Because many people carry very low liability coverage limits (Wisconsin limits are 50/100/55), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability auto insurance
This coverage can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability insurance covers things such as emergency aid, court costs, structural damage and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible. Wisconsin requires minimum liability limits of 50,000/100,000/55,000 but you should consider buying better liability coverage.
When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut collision coverage to discover at claim time that it was a big mistake. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.
Affordable auto insurance is definitely available from both online companies and with local Greenfield insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.