Have you fallen victim to an overpriced car insurance policy? Believe me, there are many people just like you.
Because there are so many car insurance companies to choose from, it can be hard to pick the lowest cost insurer.
This article will help you learn the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. But Georgia vehicle owners must know how insurance companies market on the web and take advantage of how the system works.
Most companies like State Farm, Allstate and GEICO provide coverage price quotes on their websites. The process is quite simple as you simply enter your coverage preferences into a form. Upon sending the form, the company’s rating system will obtain reports for credit and driving violations and returns a price. Online price quotes helps simplify price comparisons, but the process of having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it is imperative to do this in order to get lower prices.
The preferred way to find lower prices requires only one form to return rates from several companies at one time. It saves time, requires much less work on your part, and makes online quotes much easier to do. Immediately after you send the form, it is quoted with multiple companies and you can pick any or none of the price quotes you receive.
If you find a better price you can simply submit the application and purchase coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.
If you want to find out how much you can save on car insurance, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in the insurance coverages just like they are on your policy. This helps ensure you will have a price comparison based on similar coverages.
Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you purchase, but lesser-known reductions have to be asked for in order for you to get them.
It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will reduce the amount you have to pay.
To see a list of providers with the best car insurance discounts in Alpharetta, click this link.
When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions may help highlight if your situation may require specific advice.
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Georgia consumers can get help finding coverage, read state legal mandates and laws, and discover disciplinary actions.
Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (which is 25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Comprehensive car insurance
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like a broken windshield, hitting a deer, a tree branch falling on your vehicle, hitting a bird and theft. The most you can receive from a comprehensive claim 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 insurance pays for damage to your vehicle from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims such as colliding with a tree, driving through your garage door, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Auto liability insurance
Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like legal defense fees, medical expenses, repair bills for other people’s vehicles, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. Georgia requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing better liability coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, pain medications, doctor visits and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
When shopping online for car insurance, never reduce needed coverages to save money. Too many times, an insured cut physical damage coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest price.
Throughout this article, we presented many ideas to shop for car insurance online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with the least-expected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.
Cheaper car insurance can be sourced on the web and also from your neighborhood Alpharetta agents, and you need to price shop both to have the best selection. Some insurance providers may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.