Insurance Terms

Choosing the Best Protection Has Never Been Easier

Never has there been a more crucial time to shop for auto insurance coverage. In addition to the unprecedented ferocity of the competition among carriers online, the most recent survey by J.D. Power and Associates shows auto policyholder satisfaction levels at an all-time high. J.D. Power's 2012 consumer poll revealed the highest satisfaction levels with price, interaction, claims, billing and payment, and benefit offerings since the study was first conducted in 2000. So what does this mean for you? Simply that if you want more from your car insurance policy or carrier, your chances of finding more peace of mind at a mo re reasonable price are excellent.

Structuring Your Coverage

The nature and amount of protection you choose to include in your plan essentially depends on two key factors: price sensitivity and risk aversion. Consumers for whom cost is a paramount concern will want to tailor their agreement to include only the type and amount of protection that is absolutely necessary to drive legally and responsibly. For these drivers, liability-only policies are the best bet. Such a product will pay for the injuries and damages your vehicle causes other parties, but it will not cover your personal damages and injuries.

At the other end of the spectrum is the risk-averse consumer who perhaps has substantial assets to protect, is less price-sensitive than most shoppers, and thus wants the full panoply of options. For this consumer, the traditional full-coverage route is the wisest choice. These types of plans typically include a substantial amount of liability protection as well as additional protection like comprehensive, collision, underinsured/uninsured driver, personal injury, and rental reimbursement. These types of add-ons will pay not only for the damages and injuries you cause other parties, but also those you and/or your vehicle sustain. Naturally, full-coverage policies cost more than liability-only coverage, but they also provide a great deal of insulation against financial liability in the event of an accident, thereby protecting the driver's assets.

Controlling Your Premiums

Of course, your driving record and policy type will most heavily influence the premiums you pay. However, myriad other factors will also impact the cost of your auto plan, and many of these factors are within your control. For instance, the deductible you choose for collision and comprehensive coverage will have a significant effect on your premium. The higher your deductible, the lower your premiums will be. Additionally, you might qualify for a number of discounts offered by your carrier that can substantially lower the cost, such as the good-driver, low-mileage, or multi-policy discounts. Work with your provider to calibrate a solution that accommodates your budgetary constraints.

Search for the Lowest Rates Now

If you have about five minutes and some basic information about the level of protection you seek, you have everything you need to take advantage of our rate-comparison tool. Submitting the form you see on this page will result in the immediate delivery of various options from at least four different car insurers. There is no charge and commitment required for this service, so even if you're not ready to buy, the offer overview can help you get an idea of about what you would pay for the policy you want. Request your complimentary quotes today by beginning the simple, secure form located on this page.

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