No one in their right mind looks forward to buying insurance, especially when their premiums are too high. Popular companies such as Progressive, State Farm and Geico all claim big savings, bombarding you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
It’s a great practice to get comparison quotes at least once a year because prices change quite often. If you had the best price on Continental insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the best methods to find the best coverage while lowering your premiums.
If you are insured now or are shopping for new coverage, you can learn to cut your premiums and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the tricks to compare company rates online.
The easiest way to compare rate quotes is to know the trick car insurance companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is give them rating details such as your job, the year, make and model of vehicles, if you require a SR-22, and if you have a valid license. The data gets sent immediately to many of the top insurers and you will receive price estimates instantly.
Companies don’t always list all their discounts very well, so the following is a list of some of the best known and the more hidden insurance savings. If you don’t get every credit you deserve, you are throwing money away.
Consumers should know that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free insurance policy, you’re out of luck.
To see a list of companies who offer insurance discounts, follow this link.
An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.
When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types available from auto insurance companies.
This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like colliding with another moving vehicle, hitting a parking meter, crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.
Liability insurance will cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability insurance covers claims like bail bonds, repair bills for other people’s vehicles, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, surgery, ambulance fees, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped collision coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.
Discount 2001 Bentley Continental insurance can be found online and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
Additional auto insurance information is located at the links below