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UPDATED: Mar 13, 2020
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Finding cheap auto insurance is important for many car owners. Although everybody would like affordable coverage, most drivers make the mistake of staying with the company that they are with rather than shop online for a better deal. Start saving online now with our FREE ZIP code search!
If you are looking for a way to reduce costs and still get the protection that you need, there are certain things you can do. With proper research, you could save hundreds of dollars a year. Get your FREE car insurance quotes today with our search tool!
Use the Internet
Millions of people use the Internet to buy coverage for their cars. Many companies are selling premium insurance products through their websites. With a few clicks, you can get dozens and even hundreds of free auto insurance quotes from different carriers.
The companies that sell insurance on the Internet are just as reliable as those that have been around for decades.
Shopping online for car insurance is easy and convenient. Most companies offer side-by-side comparisons, rate calculators, and valuable resources at your fingertips.
By comparing quotes online, customers don’t have to worry about spending hours in an agent’s office. Go to any quote comparison website and fill in the application form. Wait a few minutes to receive free car insurance quotes from multiple companies.
Since the application process is automated, most insurers offer discounts when you buy coverage online. Many companies will reduce your premiums even further if you opt for automatic EFT payments. When you buy auto insurance online, you will save time and money.
Another advantage of buying coverage online is that there are no brokers or agents to put pressure on you.
Search Online for Discount and Deals
Buying auto insurance online is the best way to get massive car insurance discounts. Most insurers feature great deals that are available exclusively online.
Some of them offer discounts to those who maintain a good driving record or join certain associations.
Choose the Right Type of Coverage
Using a quote comparison website has many advantages. One of the main benefits of shopping online for car insurance is that you can easily compare different types of coverage. Most websites provide informative articles and tips on how to lower your premiums and get the best value for your money.
Before you make a decision, evaluate your needs and decide what type of coverage meets your requirements. Having the right kind of coverage can save you a lot of stress and financial loss.
Most insurance companies provide liability coverage, physical damage coverage, collision coverage, comprehensive coverage, and personal injury protection coverage.
You may also purchase rental car insurance, gap insurance, uninsured/underinsured motorist protection coverage, and medical payments coverage. Most of these coverages are optional, and adding them to your policy will increase your rates.
This type of coverage pays for the damages caused to other parties in the event of an accident for which you are at fault. It does not cover any expenses related to damage to your property.
Most states require drivers to carry liability insurance. Policy limits are per person and per accident. Auto insurance companies require drivers to carry the same level of liability coverage on each vehicle listed on their policies.
Comprehensive coverage applies to almost any type of loss resulting from incidents other than collision. This type of insurance covers damage from severe weather conditions or natural disasters such as hurricanes, tornadoes, flood, earthquakes, fire, or hail storms.
If you want to keep your premiums low, choose a high deductible. This type of coverage pays to fix your car less the deductible you choose.
Collision insurance pays for repair to your car or for the replacement of its market value when your vehicle is involved in any kind of collision. If you purchase this type of coverage and your car is totaled in an accident, the insurance company will pay the current value of the vehicle, not the purchase price.
For older vehicles, consider dropping this coverage in order to lower your rates.
Personal Injury Protection Coverage
Personal injury protection or no-fault coverage pays for any damage to the policyholder and his passengers. This type of car insurance covers over 80 percent of medical expenses, including lost wages, hospitalization, rehabilitation, and funeral costs.
Personal injury protection coverage is mandatory in 16 states. Depending on the state, the covered parties and the level of protection may vary.
Uninsured/Underinsured Motorist Protection Coverage
This type of insurance protects the policyholder in the event of a car accident caused by a driver who carries the legal minimum amount of liability insurance or no insurance. It only applies when the uninsured driver is at fault.
The level of coverage varies according t the terms of your policy and state laws. This type of coverage is mandatory in some states. If you choose to go without this coverage, then you may be required to pay from your own pocket for medical expenses arising from an accident caused by an uninsured driver.
Increase Your Deductible
Regardless of how much coverage you buy, you can keep costs down by increasing the deductible. Raising your deductible from $500 to $1000 can cut as much as 40 percent a year from your insurance bill.
Factors That Impact Your Premiums
In addition to the level of coverage that you choose, there are many other factors based on which insurance companies determine your rates. Your age, gender, location, marital status, and driving habits may affect your premiums.
Younger drivers under 25 pay higher insurance rates. The number of miles that you drive and the distance between your home and work impact your rates as well.
Men pay more on car insurance than women. Speeding and moving violations have a negative impact on your car insurance rates. If you want to get cheap auto insurance, keep the number of claims that you file to a minimum.
If you are planning to buy a new car, choose a standard one. Expensive cars with big engines cost more to insure than sedans.
Combine Your Coverage
One of the easiest and most convenient ways to save money on car insurance is to combine your auto and home policies. Customers who insure their homes and cars through the same company get lower rates.
Check for Multiple Vehicle Discounts
If you own multiple cars, you can consolidate them all onto one insurance policy. Most companies offer discounts to those who insure two or more vehicles under the same roof.
When you compare auto insurance quotes online, look for companies with a good reputation. Check out the financial strength ratings for each insurance provider.
Visit your state’s department of insurance to find out more about the companies you are interested in. Before you buy auto insurance online, check your current policy to find out how much you are paying.
When it comes to getting the best deal on car insurance, the prize often goes to those who do proper research and compare auto insurance quotes. Drivers who buy insurance online can save a much as 70 percent on their annual premiums.