Are you sick and tired of scraping the payment together to buy car insurance? You’re in the same situation as many other consumers.
You have so many car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to locate the cheapest rates.
Shopping for affordable auto insurance coverage is not that difficult. Just about every vehicle owner who buys auto insurance will more than likely be able to find lower rates. Although car owners do need to understand the way companies sell insurance online because it can help you find the best coverage.
Compare Quotes for Auto Insurance
To find the best auto insurance prices, there are several ways of comparing rate quotes from auto insurance companies in your area. The simplest method to find the lowest Aston Martin DB9 rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.
- The fastest way consumers can analyze rates is a comparison rater form click to view form in new window. This method prevents you from having to do boring form submissions to each individual auto insurance company. One quote request gets rate comparisons from multiple low-cost companies.
- Another way to compare rate quotes consists of going to each company website and complete a new quote form. For examples sake, let’s assume you want comparison quotes from Farmers, Esurance and Progressive. You would have to take the time to go to each site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.
However you get your quotes, ensure you are comparing the exact same coverage limits and deductibles on every quote. If you enter different deductibles you will not be able to find the best deal for your Aston Martin DB9. Having just a slight variation in coverages may cause a big price difference. Just remember that more quotes helps you find the best offered rates.
Be sure to get all your discounts
Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. Certain discounts will be applied when you get a quote, but some must be inquired about prior to receiving the credit.
- Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
- Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
- Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
- Drive Safe and Save – Insureds without accidents can pay as much as 50% less on DB9 coverage than less cautious drivers.
- No Claims – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
Keep in mind that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.
To see a list of insurance companies who offer auto insurance discounts, click here to view.
How do I know if I need professional advice?
When choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What are the best liability limits?
- Do I get a pro-rated refund if I cancel my policy early?
- Is my custom paint covered by insurance?
- Should I buy additional glass protection?
- Should I sign the liability waiver when renting a car?
- Why am I be forced to buy a membership to get insurance from some companies?
- Do I need medical payments coverage since I have good health insurance?
- When should I drop full coverage on my Aston Martin DB9?
- Why am I required to get a high-risk car insurance policy?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Auto insurance 101
Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.
Auto collision coverage
Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like hitting a parking meter, driving through your garage door, crashing into a building, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like EMT expenses, funeral costs and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage
This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like theft, rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability auto insurance
This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as attorney fees, funeral expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Aston Martin DB9.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are similar to your liability insurance amounts.
A little work can save a LOT of money
Discount Aston Martin DB9 insurance can be found both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
In this article, we covered quite a bit of information on how to save on Aston Martin DB9 insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the best price on auto insurance is with some of the lesser-known companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.
