When you are looking for cheap auto insurance online, there are many sources you can turn to for free quotes and information. Try our FREE ZIP code search to compare rates!?It is always a good idea to get several price quotes for insurance before you make a decision.
It is also important to carefully evaluate what type and how much insurance you are receiving a quote for, and what else is included along with the insurance. Explore all of your auto insurance options with our FREE quote comparison tool!
Auto Insurance Clearinghouses
One of the easiest ways to find inexpensive auto insurance online is to go to a website that allows you to compare auto insurance quotes from a number of different companies.
Usually, these insurance quotes are free and you are required to fill out an informational form. This information is then forwarded to the various insurance companies and you receive quotes. Quotes may come in the form of an email from the auto insurance companies, a telephone call or an automatic quote via a web page.
Clearinghouses are a great way to quickly get comparison rates from several different companies. You may find that this is the fastest and easiest way to find out how much auto insurance will cost you and immediately purchase a policy. Try our FREE ZIP code search now!
Auto Insurance Company Websites
Another source for cheap auto insurance quotes is company websites. Many companies, like The General, SafeAuto and Esurance have websites that will provide you with an immediate quote for auto insurance.
You will be asked to fill out a form for basic information and then be provided with a quote.
One of the advantages of working directly with an auto insurance company that is primarily online is that you may find that their policies are less expensive than a traditional insurance company.
This is because their expenses and overhead are lower and they are able to offer some of the best auto insurance rates as a result.
Insurance Brokers
Many insurance brokers have websites that allow you to receive quotes online.
The advantage of working with a broker is that they may represent several different insurance companies and can give you personal service if you have questions or concerns about your coverage.
Understanding Auto Insurance Quotes
When you go to an online auto insurance website, you will be asked to select what types of auto insurance coverage you want for your car. If you are comparing quotes from several different companies, it is important to understand the differences between each type of insurance.
Collision insurance coverage applies if you hit another car and there is damage. It covers damage to your car and to the car you hit. Generally, there are limits to amount of coverage per incident.?Comprehensive insurance coverage applies to any damage that occurs to your car that is not covered by collision coverage.
For example if your car is damaged because you hit a deer while driving or someone steals your car, then comprehensive insurance would cover any damages. Comprehensive insurance also covers damage to your car from storms or flooding.
Liability insurance covers damage to anything that may result in personal liability. This can include damage to property, another person?s vehicle or personal injuries that result from an accident.
Auto Insurance Requirements
Most states require a minimum of liability insurance for you to be able to drive legally. Liability policies have limits on the maximum amount they will pay for each accident.
Medical payments are also called Personal Injury Policy or PIP in some states. Although this is not a medical insurance policy, it pays for medical payments or injury that is the result of an accident.
This is basic medical coverage and is supplemental to any other existing medical insurance coverage and covers injuries to the driver and passenger in your car. Depending on the state in which you reside, medical expenses may be paid regardless of who is at fault in an accident.
Types of Auto Insurance Coverage
Gap insurance covers that difference between the value of your car and what you owe on a lease or auto loan. If you are leasing your car or have an auto loan, gap insurance can be extremely important.
If you are in an accident and the car is declared a total loss, then your insurance will only pay the cash value of your car at the time of the accident.
However, you will still be responsible for the difference between the loan and the value of the car.
Gap insurance will cover this difference and you will not be left paying for a car which you cannot drive.
Umbrella insurance policies are sometimes also called personal liability policy. Umbrella coverage can be extremely valuable if you have significant assets and have a bad accident.
A really bad accident can exhaust the limits of your liability insurance coverage. As a result, you will be left being liable for any additional expenses that are not paid by your insurance company. Generally, umbrella coverage starts at $1 million of coverage. Make sure you have adequate coverage for the best price with our FREE quote comparison tool!
When you are looking for cheap auto insurance, you can look at several different sources to find comparison rates. When looking at rates, be sure to compare similar levels and types of coverage.
Also consider other services that may be included with an auto policy, such as roadside assistance and travel assistance programs, since this can also add value to the policy. Choose from all these coverage options and more with our FREE ZIP code search!
Source: http://www.autoinsurance.org/where-is-cheap-auto-insurance-online/
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