Find Low Cost Auto Insurance Online

Most people get intimidated at the thought of trying to find cheap car insurance. For some, they don’t have a basic knowledge of auto insurance and this leads to confusion. For others, they don’t know what type of policy to buy, in addition to the coverage limits needed. Then you have those consumers that know what kind of auto insurance but are clueless how to find it online at the lowest prices. Let’s go over the basics so you can save money and find low-cost auto insurance online.

An insurance policy is actually a contract. It gives both parties, you and the insurer, certain rights. For a transfer of money, in the form of insurance premiums, the insurer agrees to pay for different damages to the automobile and individuals affected by an accident, while you were operating the insured vehicle. Your insurance policy is the de facto contract. It spells out all the terms of your policy in detail, including the all-important claims info. You should go over it prior to buying any coverage, so you know exactly what you are getting. It is also a good idea to read it again before it is up, so you can decide whether you need to add or reduce coverage. If there’s anything you don’t understand, do some basic research. Make sure you are comfortable with the plan you are getting and all the terms in your policy. Get a free no obligation quote at RodneyDYoung insurance and see how easy it is to save with direct rates online.

Get the Coverage You Need for Less

One of the biggest steps to buying cheap automobile insurance is selecting the type of coverage you need. There are several plans you can select from. Here are the basics:

Liability
In general, liability coverage protects the insured from an accident that he or she causes. It will pay for damages towards a person’s vehicle, property and medical costs up and to pre-selected limits.

Collision
This type of auto insurance will pay for damage done to your automobile from a collision. It pays regardless of who was to be determined at fault in the accident. However, you will be required to pay a deductible, which usually ranges anywhere from $250 to $1,000. If the other party was at-fault in the incident, you may be able to get the deductible refunded.

Comprehensive
This type of policy will pay out for damages done that do not involve an accident with another vehicle. This includes so many things like a tree branch falling on the hood, a fire, flooding, or a rock that cracks the windshield. One of the most important considerations for this type of insurance is theft. Comprehensive insurance will cover vehicle thefts. This is a very real concern and even more so if you live in a big city or park your car on the street. Get your rate check-up at Rodney D Young Insurance online in just five minutes or less.

There are other options you can add onto your policy like rental car coverage. This can be really useful if you don’t already have it, but many people can get it for a lower price with triple-A insurance and other motor clubs. Auto rental insurance will normally be available only with a collision or comprehensive policy.

PIP or personal injury protection can be added on coverage but it is mandatory in selected states. This coverage has selected amounts of limits that cannot be adjusted higher. It kicks in no matter who was at-fault in an accident. It will cover the motorist driving the vehicle, passengers and pedestrians hit by your car.

Consider Adding Uninsured Motorist Protection to Your Policy
With more drivers on the road without any insurance at all, it is more important now than ever to add uninsured motorist coverage to your policy. This is not as expensive as you might think, so don’t worry. It can cost as little as $100 per year and could save you thousands. If your car is totaled in an accident caused by a driver who is uninsured, you can be covered up and to your policies limits. You also should consider under-insured drivers protection. Many people have insurance, but only the state minimum liability amount. This means in a big crash, you could be left with thousands in vehicle replacement costs and medical bills. Getting under-insured protection is just as important as buying uninsured. Get your car insurance plan for less at Rodney D Young Insurance website today.

How to Lower Your Premiums
The premiums you pay are based on many factors. When you apply for a policy a risk assessment will be made. Based on the risk you pose to the insurer, a price quote will be given for coverage you apply for. So to get lower premiums, make yourself less risky to the insurance companies. How do you do this? Here are a few examples.

• Drive a car that insurers love. This includes boring family cars like a Toyota Camry or Subaru. Stay away from very expensive or sporty cars like a Porsche, new Jaguar, Mercedes, etc.
• Get Rid of Points on Your Driving Record
• Park Your Car in A Garage at Night
• Add a GPS Monitoring Device to your car
• Take a Certified Safe Driving Class
• Raise your Premiums to $1,000 or more
• Drive less than 1,000 Miles Each Month

These are just a few examples of how you can get covered for a lot less. Once you have taken action and done all you can do to make your profile less risky, then it is time to get quotes. You can find low-cost auto insurance online in a matter of minutes. At sites like Rodney D. Young car insurance, you can receive up to 10 quotes in less than five minutes. There really is no excuse to finding cheaper rates. The advantage to online quoting is direct rates. Web-based prices are almost always cheaper because direct insurers cut out expensive brokers and pass those savings onto you. Get your free quote today and save hundreds.