I can’t think of a single person who likes having to buy car insurance, particularly when they are paying too much. Popular companies such as Geico, Farmers Insurance and State Farm persitently shower you with ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.
Most major insurance companies such as 21st Century, Allstate and State Farm provide prices online. Getting quotes is fairly simple as you just type in the coverage amounts you desire as detailed in the form. Behind the scenes, the system gets your credit score and driving record and generates pricing information determined by many factors. Being able to quote online makes comparing rates easy, but having to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to get many rate quotes if you want to find the lowest auto insurance rates.
The easy way to compare rates
The smarter way to find cheaper rates uses one form to get prices from several different companies. It saves time, eliminates form submissions, and makes online shopping a little more enjoyable. After sending your information, it gets priced and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process takes 15 minutes at the most and may result in a nice savings.
To find out how much you can save on auto insurance, click here and submit the form. If you currently have coverage, we recommend you replicate deductibles and limits identical to your current policy. This helps ensure you will have rate comparison quotes based on the exact same insurance coverage.
When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine if your situation might need professional guidance.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.
Collision protection
Collision insurance pays for damage to your S2000 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, rolling your car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for funeral costs, surgery and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Comprehensive or Other Than Collision
This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like vandalism, hitting a bird, theft, falling objects and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability
This will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover 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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims such as repair costs for stationary objects, attorney fees and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.
UM/UIM Coverage
This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2004 Honda S2000.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.