No one cherishes buying auto insurance, particularly when the cost is way too high. Online insurance companies like State Farm, Progressive and GEICO continually bombard you with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.
Fast and Easy Auto Insurance Quotes
Most major insurance companies provide prices for coverage online. Getting quotes is quite easy as you simply type in your coverage information into the quote form. When complete, the company’s rating system pulls your driving and credit reports and returns a price. This makes comparing rates easy, but the time required to go to many different websites and enter the same data into a form gets old quite quickly. But it’s very important to perform this step if you want to find the lowest price.
The better way to compare rates
A more efficient way to compare rates makes use of a single form that gets prices quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the quotes returned.
If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and could lower your rates considerably.
To fill out one form to compare multiple rates now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you duplicate coverages and limits as close as possible to your current policy. This way, you will have a fair comparison based on identical coverages.
Policy discounts you shouldn’t miss
Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be requested specifically prior to getting the savings.
- Homeowners Savings – Simply owning a home can help you save on auto insurance because maintaining a house is proof that your finances are in order.
- Save over 55 – Older drivers may receive a small decrease in premiums.
- Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
- Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.
Insurance agents can help
When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out if your situation would benefit from professional advice.
- Can I afford to pay high deductible claims out of pocket?
- Do I need to file an SR-22 for a DUI my state?
- Is my cargo covered for damage or theft?
- Are my tools covered if they get stolen from my vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I need rental car coverage?
- Does my insurance cover a custom paint job?
- Why am I required to buy high-risk coverage?
- What are no-fault laws?
- Should I put collision coverage on all my vehicles?
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 an insurance agent. To find lower rates from a local agent, fill out this quick form.
Best coverage at the best price
We just covered quite a bit of information on how to compare Hyundai Elantra insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with a small mutual company. These companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.
While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at an affordable rate while still getting proper protection
