Having to pay for overpriced insurance coverage can dwindle your personal savings and put a big crunch on your finances. Doing a price comparison is a great way to make sure you’re not throwing money away. Popular companies such as Progressive, State Farm and Geico persitently shower you with TV and radio ads and it is difficult to see through the deception and take the time to shop coverage around.
Effectively comparing car insurance prices can take hours if you don’t know the best way to get rate quotes. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.
Many popular insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.
To compare pricing click here to start a free quote.
The only drawback to doing it this way is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select specific insurance companies to compare, we have a listing of the cheapest car insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles for each price quote. If you compare higher or lower deductibles it will be very difficult to determine which rate is truly the best.
Smart consumers have a good feel for the factors that go into determining auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.
Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specially asked for prior to getting the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.
It’s important to note that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount will cut the cost of coverage.
To see a list of insurers with the best insurance discounts, follow this link.
When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.
If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Learning about specific coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.
This coverage covers damage to your Enclave resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like hitting a parking meter, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as vandalism, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This coverage will cover damages or injuries you inflict on other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as medical services, repair bills for other people’s vehicles, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like dental work, pain medications, prosthetic devices, chiropractic care and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.
When shopping online for insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price.
Low-cost 2010 Buick Enclave insurance is available on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance coverage companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
Much more information about insurance coverage is available at the links below