#free insurance quote
The Smart Buyer Saves Money
Conceptually, car insurance is pretty straightforward. You send an insurance company a check each month and they agree to pay for claims related to an accident (or other covered loss). However, an insurance policy is a legal contract, with all the legalese that you would expect. It is important to understand the major contractual terms to ensure that you have the right policy for your needs. Many people think that their policy covers them from losses that it does not (for instance, basic insurance policies generally don’t cover loss from theft). These people usually find out that they aren’t covered right at the worst moment; when they attempt to file a claim. Other people find themselves in just the opposite situation. Upon closer inspection of their policy, they find they have been paying for features that they didn’t want or need for years.
You will find that a few minutes spent to familiarize yourself with the principal features of auto insurance policies is time well spent. We have published a good deal of information about auto insurance, car insurance quotes and finding free car insurance quotes online in our Frequently Asked Questions (or “FAQ”) section. You will also find a wealth of information in our compendium of car insurance articles.
Auto Insurance 101
Most car insurance policies insure the policyholder against personal injury liability (otherwise known as bodily injury liability) and property damage liability. Personal liability is pretty straightforward, if someone is injured in an accident, the policy pays claims for the injury itself (if deemed necessary or warranted) as well as for medical costs associated with treatment. Personal injury liability insurance is generally purchased for both the driver, as well as for other people involved in the accident.
Property damage covers losses associated with damage to property. This could include the policyholder’s vehicle as well as other vehicles. Property damage insurance also relates to buildings, structures and other personal or real property that might be involved in the accident.
Basic policies cover these two initial liabilities and generally only relate to driving accidents. Another common type of policy is referred to as a comprehensive policy. because it covers much more. This type of policy often covers losses from theft, vandalism, fire, etc. Each policy is specific, so be sure to read the fine print.
Most people purchase auto insurance with a deductible, meaning that they agree to pay some amount of claim before the insurance company is required to pay. All other things held equal, a lower deductible (meaning the less a policyholder has to pay) results in a higher premium.
Those are the very basics. We offer a wealth of other car insurance information throughout the site. Let us know if you don’t find something.
Compare Multiple Car Insurance Quotes
Car insurance is a pretty sizable expense for most people. While it may not seem like it, those monthly payments add up. Soliciting multiple auto insurance quotes from some of the best insurance companies in the industry (using our free and convenient service ) will help ensure that you’re getting the cheapest car insurance policy available to you. If you purchased your car (as opposed to inheriting it or receiving it as a gift), you probably looked at a number of cars before you settled on the one you have. While you’re not going to be seen in your car insurance policy or don’t need it to tow your snowmobile (or whatever you were looking for in a car), the features you buy are extremely important and the cost is significant.
Our advice: compare multiple insurance quotes to find the lowest cost policy. Compare car insurance quotes to make sure you have the same features for each quote then select the most affordable car insurance. Be sure to check back periodically to review quotes to make sure that you are still receiving the best rates possible from your existing policy.
Car Insurance Companies
Car insurance companies aren’t all the same. Some companies specialize in covering teen drivers; others shy away from these individuals and focus on “lower risk” individuals. Whatever your situation, you will likely maximize your dollar by finding an insurance company that focuses on your demographic. You will also likely find better service, as companies tailor their service to the individuals they tend to insure.
We work with some of the top car insurance providers in the world. These institutions have a long history of serving their customers’ needs and “being there” when needed. You can’t go wrong with any of these companies, but it may be worth a few minutes of your time to understand a little more about them (or to at least compare insurance quotes among them) to find the one that you want to do business with.
Our car insurance quote service is free (we don’t charge you a penny) and very easy to use. With just a zip code and a click of the button, you will be on your way to receiving car insurance quotes. The process is easy and only takes a few minutes. If you want to make the experience as easy as possible, make sure to have some basic personal information readily available. Things like your driver’s license number, car make and model, birthday and other logical information will make the process that much more efficient.
We look forward to helping you find an insurance policy that fits your specific needs. We value your trust and patronage, so please let us know if you have a question or concern. We look forward to serving your needs now, and in the future.