Finding a Cheap Car Insurance Quote
Getting a cheap car insurance quote is not a difficult task if you follow the proper steps.
First, you have to set your parameters to get an optimal rate. Depending on what levels of insurance you require, you can get a great rate. If you are solely concerned about the rate and are not worried about how deeply you are protected, then you want to go with the minimum levels of protection allowed by state law. The main factors are personal injury protection, comprehensive, collision, property damage, uninsured motorist protection, and your deductible.
Collision refers to the coverage of your vehicle that is involved in an accident. If you have an old vehicle that is not worth much, then you can forgo collision. In some cases in a year you could probably save more from not paying collision than what your car is worth. Comprehensive covers the vehicle in instances not involving an accident, for example vandalism, fire and theft. Again, if your car is not worth much, then you can omit comprehensive from your policy to get a cheap car insurance quote.
Liability covers cost related to bodily injury (personal injury protection) and property damage when the accident is caused by the insured person. In almost all states this is required. If you are a very careful driver and are never in accidents, you can minimize this type of protection to get a better insurance rate. To get a cheap car insurance quote, go with the state minimum, or try levels of 50,000 or 100,000 to give yourself a little bit of peace of mind.
Uninsured motorist protection covers you in the case you are in an accident caused by someone who doesn't carry insurance. This is something you do want to include as accidents involving uninsured people happens more often than most think. If you are injured in this scenario, It's good to have this protection. When getting a quote, set limits for uninsured at 100,000 and 300,000 and compare the rates. The higher limit gives you the peace of mind of you sustained bodily injury from an uninsured motorist.
To ensure you get a cheap car insurance quote, check with a few of the major companies like Geico, Unitran, and Progressive. Also avoid add ons to the quote like roadside assistance and personal property. You can start with the bare minimum levels and work up until you reach a protection level and a rate you are happy with.
Finding a Cheap Car Insurance Quote
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