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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Shopping for cheap insurance may seem complicated initially if you are one of the many people who have never used online insurance coverage quotes. Don’t let that bother you because using the internet to shop for insurance coverage is actually quite easy.
Verify you’re getting every discount
Companies don’t list every disount available in a way that’s easy to find, so the following list contains both well-publicized as well as some of the hidden credits that you can use to lower your rates.
- Early Signing – Some companies reward drivers for buying a policy prior to your current policy expiring. You could save around 10% when you buy insurance online.
- Save over 55 – If you qualify as a senior citizen, you could receive a discount up to 10% for Esteem insurance.
- ABS Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
- Defensive Driving Course – Passing a defensive driver course can save you 5% or more and also improve your driving technique.
- Government Employees – Federal government employees could provide a small rate reduction for Esteem insurance but check with your company.
- Driver’s Ed – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
One last thing about discounts, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.
Companies and a summarized list of policyholder discounts can be found below.
- Farmers Insurance has savings for early shopping, electronic funds transfer, homeowner, business and professional, mature driver, switch companies, and pay in full.
- State Farm offers premium reductions for safe vehicle, accident-free, multiple autos, Steer Clear safe driver discount, good driver, Drive Safe & Save, and multiple policy.
- Liberty Mutual may have discounts that include good student, teen driver discount, multi-policy, multi-car, and newly married.
- MetLife policyholders can earn discounts including good student, good driver, claim-free, defensive driver, and multi-policy.
- Progressive may include discounts for multi-vehicle, continuous coverage, good student, homeowner, and multi-policy.
When quoting, ask each company which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your state. To see a list of auto insurance companies with the best auto insurance discounts, click this link.
Enter your zip code below to view companies that have cheap auto insurance rates.
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When should I discuss my situation with an agent?
When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.
For instance, these questions can help discover if your situation might need an agent’s assistance.
- Will my insurance pay for OEM parts?
- Will my rates increase for filing one claim?
- Are rental cars covered under my policy?
- Can I rate high risk drivers on liability-only vehicles?
- Am I covered if I break a side mirror?
- Is a blown tire covered by insurance?
- Am I covered when driving a rental car?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.
Coverages available on your policy
Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.
Collision coverages – This pays for damage to your Esteem from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Medical expense insurance – Med pay and PIP coverage pay for immediate expenses like dental work, prosthetic devices, nursing services and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Liability coverage – Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for claims such as legal defense fees, attorney fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Suzuki Esteem.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage, vandalism and rock chips in glass. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Quote more, save more
As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to find the BEST coverage for the lowest price and still be able to protect your assets.
Cheaper insurance can be purchased both online and from local agencies, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer online rate quotes and usually these small, regional companies only sell coverage through independent agents.
Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, an unsatisfactory settlement offer and even not issuing a premium refund. Whatever your reason, finding a new insurance company is pretty easy and you might even save some money in the process.
More tips and info about insurance can be read in these articles:
- What is a Telematics Device? (Allstate)
- Determing Auto Insurance Rates (Geico)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.