Tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other consumers.
There are many auto insurance companies to pick from, and although it’s a good thing to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.
Finding affordable coverage is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. But drivers must know how companies market on the web.
Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving.
It’s important to understand that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.
A partial list of companies that possibly offer some of the above discounts include:
Double check with each company how you can save money. All car insurance discounts may not apply in your area.
The fastest way that we advise to compare insurance rates in your area utilizes the fact car insurance companies have advanced systems to compare rate quotes. The only thing you need to do is provide details including the ages of drivers, if it has an alarm system, if your license is active, and whether the vehicles are used for commuting. The rating information gets sent immediately to multiple insurance providers and you will receive price estimates with very little delay.
To check rates for your , click here and enter your zip code.
When it comes to buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions but you think they might apply to your situation, 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 car insurance companies in your area.
Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.
Liability
This can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things such as structural damage, attorney fees, loss of income, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as high a limit as you can afford.
UM/UIM Coverage
This coverage gives you protection from other motorists 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.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Comprehensive or Other Than Collision
This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle and vandalism. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision coverage covers damage to your Murano from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as crashing into a building, hitting a parking meter, scraping a guard rail, rolling your car and damaging your car on a curb. This coverage can be expensive, 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.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like rehabilitation expenses, EMT expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
Lower-priced 2005 Nissan Murano insurance can be bought from both online companies and with local insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.
As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In too many instances, someone dropped collision coverage and learned later that the savings was not a smart move. Your focus should be to find the BEST coverage at the best price while still protecting your assets.
More detailed car insurance information can be read at these sites: