Are you sick and tired of being strong-armed to insure your Plymouth every month? You are in the same boat as the majority of other car owners.
Drivers have so many car insurance companies to insure vehicles with, and though it is a good thing to be able to choose, so many choices can make it hard to locate the cheapest rates.
You need to do rate comparisons every six months because insurance rates are constantly changing. Despite the fact that you may have had the best price for Laser coverage last year you can probably find a better price now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to one of the best ways to reduce your cost while improving coverage.
How to Compare Car Insurance
To find the best car insurance prices, there are several ways of comparing rate quotes and find the best price. The simplest method to compare insurance prices involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.
- The best way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method eliminates the need for a different quote for each company you want a rate for. A single, simple form will get you rate comparisons from multiple companies.
- A more time consuming way to get quotes online is to take the time to go to the website for each individual company and complete a new quote form. For example, let’s say you want to compare rates from Allstate, Safeco and Farmers. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, compare identical deductibles and coverage limits for every company. If each company quotes mixed coverages it will be very difficult to determine the lowest rate for your Plymouth Laser. Just a small difference in insurance coverages can make a big difference in price. Just keep in mind that having more price comparisons helps you find the best price.
Are you getting all your discounts?
Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but less common discounts must be manually applied before they will apply.
- Driver Safety – Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
- No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
- Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
- Low Mileage Discounts – Keeping the miles down on your Plymouth could be rewarded with lower rates on the low mileage vehicles.
- College Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
- Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
- 55 and Retired – Older drivers may qualify for better car insurance rates for Laser coverage.
Consumers should know that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But all discounts will bring down your overall premium however.
Tailor your coverage to you
When choosing the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation might need professional guidance.
- Am I covered if I crash into my own garage door?
- Do I have coverage when using my vehicle for my home business?
- Should I buy more coverage than the required minimum liability coverage?
- Do I need added coverage for expensive stereo equipment?
- Where can I get insurance after a DUI in my state?
- Why does it cost so much to insure a teen driver?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
