The cost of everything is rising in today’s world and car insurance is not any different. Most drivers are always looking for cheap auto insurance so they can afford to pay other rising bills and costs, such as gas. Cheap auto insurance can be found by doing a complete comparison of agents and quotes.
Auto insurance agents are in competition with each other so a driver may use this to one’s advantage. Each agent offers a car insurance quote and the driver may use this to try to have another agent lower one’s rates. This is part of the negotiation process in finding cheap auto insurance.
Agents offer different benefits to their clients. This is something else that should be compared when looking for cheap auto insurance. For example, some agents have an accident forgiveness policy which means the first accident is forgiven and no rate increases apply. Other agents offer this advantage, but only after a number of years as a client. When looking for cheap auto insurance, a driver likely wants to ask about certain benefits and advantages such as these. Each agent will offer different benefits and these can be used to negotiate as well.
To find cheap auto insurance one must also compare quotes. Comparing quotes needs to be a comparison of equal coverage and deductibles. The lower coverage typically results in lower premiums and cheap auto insurance. However, another way to find cheap auto insurance is to look for quotes with higher deductibles. These quotes have lower premiums, but a driver will pay more out of pocket in the event of a claim or accident.
A driver must also compare several different companies. It is suggested that a driver compare agents from large national firms, local or state agents, and individual agents. This will give a better idea of insurance quotes and premiums. Additionally, it will lead to finding cheap auto insurance in the area.
The process of finding cheap auto insurance does take some time. Many phone calls must be made or one may need to spend time on the Internet seeking quotes. Drivers who do not have a lot of time to look for cheap auto insurance may seek the help of companies.
Some companies offer the service of comparing auto insurance quotes on behalf of the driver. This helps save a lot of time for the driver. The Insurance Wizard is one company that searches and compares auto insurance premiums. To find out more about this process go to www.theinsurancewizard.com.
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The Insurance Wizard is designed to help consumers of personal insurance products save money and to generate targeted sales leads to Insurance Sellers. After completing a very short questionnaire, which profiles them from an underwriting standpoint, they are referred to not more the 3 Insurance Sellers in their general geographic area.
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Question by Cissy M: Insurance agents only: For New Jersey auto insurance, what does “no limitation on lawsuit threshold” mean?
Does it mean one can sue in only a few cases, or does it mean that there are no limitations in what one can sue about?
(New Jersey auto insurance companies purposefully make this confusing, so I can’t really be sure which option is which.)
Best answer:
Answer by mbrcatz
That means, there’s no limit, to suing for pain & suffering in an auto acccident. Regardless of how minor (or imaginary) your injuries are, you retain the right to sue the other guy, in the accident, for your injuries, and your pain & suffering. (Think, whiplash claims).
NJ has a verbal threshhold – that means, if you choose the cheaper coverage, the verbal threshhold coverage, AND, you’re in an auto accident, caused by someone else, you can ONLY sue the other person if you have one of the following:
Type 1 – death
Type 2 – dismemberment
Type 3 – significant disfigurement
Type 4 – a fracture
Type 5 – loss of a fetus
Type 6 – permanent loss of use of a body organ, member, function or system
Type 7 – permanent consequential limitation of use of a body organ or member
Type 8 – significant limitation of use of a body function or system
Type 9 – a medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitute that person’s usual and customary daily activities for not less than 90 days during the 180 days immediately following the occurrence of the injury or impairment.
The vast majority of injuries in auto accidents are “soft tissue” injuries – whiplash, neck aches, muscle strains. If you want to be able to sue for pain & suffering, for these types of injuries, you need to select the “no limitation” option. It will cost you more.
Add your own answer in the comments!
Always tick the no limitation box.