Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers feel financially strained by their auto insurance policy. Big-name insurance companies like State Farm, GEICO and Farmers Insurance all promote huge savings with fancy advertisements and it is difficult to avoid their marketing magic and take the time to shop coverage around.
Fast and Easy Auto Insurance Quotes
Most companies such as Progressive, GEICO, Allstate and State Farm give price estimates directly from their websites. Getting quotes is quite easy as you just type in as detailed in the form. Upon sending the form, the system gets credit information and your driving record and generates a price based on these factors. Online price quotes streamlines rate comparisons, but the time it takes to visit multiple sites and complete many quote forms is repetitive and time-consuming. But it’s very important to compare as many rates as possible if you are searching for a lower rate.
A more efficient way to lower your auto insurance bill uses one form that gets prices from several different companies. The form is fast, requires less work, and makes online price comparison much easier. As soon as you send your information, it is rated and you can choose any one of the quote results. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process just takes a couple of minutes and you will know how your current rates stack up.
To find out how much you can save on auto insurance, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate the limits and deductibles identical to your current policy. This makes sure you will be getting a fair comparison using the same coverage and limits.
Lots of discounts mean lots of savings
Companies offering auto insurance don’t always list every discount in an easy-to-find place, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit possible, you are throwing money away.
- Claim Free – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
- Safety Course Discount – Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
- Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
- Homeowners Pay Less – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
- New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
Situations that might require an agent
When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover if you would benefit from an agent’s advice.
- Is rental equipment covered for theft or damage?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Does my insurance cover a custom paint job?
- Does coverage extend to a rental car in a foreign country?
- Can I drive in Mexico and have coverage?
- Do I need motorclub coverage?
If you’re not sure about those questions but you know they apply to you, 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. It’s fast, doesn’t cost anything and may give you better protection.
The fine print in auto insurance ads
Consumers constantly see and hear ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you switch your coverage to them.
How does each company make the same claim? It’s all in the numbers.
All companies have a certain “appetite” for the right customer that earns them a profit. For instance, a preferred risk could possibly be between 25 and 40, has no driving citations, and has excellent credit. A driver who meets those qualifications is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.
Consumers who don’t qualify for the “perfect” profile will be quoted higher rates which leads to the customer not buying. Company advertisements say “customers who switch” not “people who quote” save money. That is how insurance companies can make those claims. This emphasizes why you should get a wide range of price quotes. It is impossible to predict which company will have the lowest rates.
Specific coverage details
Having a good grasp of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.
Liability auto insurance
Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for 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. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage protects against claims like emergency aid, funeral expenses, repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for immediate expenses for surgery, funeral costs, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision protection
Collision coverage pays for damage to your I30 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like backing into a parked car, driving through your garage door, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Comprehensive auto insurance
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hail damage, damage from a tornado or hurricane, damage from getting keyed, hitting a deer and falling objects. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
A little work can save a LOT of money
You just read many tips how you can save on Infiniti I30 insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or GEICO.
Discount Infiniti I30 insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
