Save Time and Money on your Car Insurance

With Car Wizard, we help you save two valuable items: time and money.

We save you time by offering you a quick and easy way to find the car insurance that’s right for you. Shopping for the best deal on your car insurance can be a daunting task. You could spend countless hours searching for reputable automobile insurance agents in your area, requesting plans from each to tediously compare before you actually find a good quote. But what if you missed an agent who could have offered better coverage and saved you more?

With Car Wizard, all you need to do is fill out one quick and easy form with your basic information. Then, you will be contacted by up to five top auto insurance agents offering you personalized plans at the best prices. With Car Wizard, you won’t have to second guess whether or not you are getting the best deal on any vehicle.

We also save you money. Our nationwide network of top insurance agents know that they are competing with each other to find you the most complete coverage at the lowest possible rate. In order to win your business, they must give you the best price. Chances are you’ll save hundreds of dollars a year on your auto insurance!

Get your free, no obligation, car insurance quotes from Car Wizard and you could save a bundle on your auto insurance!

Save by Shopping Around

The best way to save on your car insurance premiums is to shop around for the best quote. A great time to reevaluate your auto insurance plan is when you experience a life changing event, such as moving to a new home or getting married.

Many people are over paying on their automobile insurance policy because they simply have gotten comfortable with their plan and haven’t taken the time to shop around for a better price. This is a time consuming task, so it’s understandable that people have trouble finding the time to do so. There are several ways you can save on your vehicle insurance including maintaining a good driving record, increasing your deductible, buying a safer or greener car or having a high credit score. However, the best way to save the most money on your car insurance is to shop around to find the best deal.

In addition to saving money, there are other reasons to look into a new car insurance policy, such as moving into a new home, buying a new car, adding someone to your auto insurance policy, or you’re changing your career or retiring.

If you are moving, you need to update your information with your car insurance provider as insurance rates can change along with your address. If you are moving from a higher crime or traffic area to a lower one, or if your new home has added security with a garage, these factors can decrease your risk thus lower your car insurance premiums.

If you are purchasing a new vehicle, consider features that may lower your insurance policy rates such as safety features, anti-theft options, crash test performances, how expensive it is to repair and how often the model is stolen. Considering these items could save you money on your insurance. In addition, you can receive discounts if you bundle your this new vehicle with cars you already own.

If you are getting married or adding someone to your policy, most insurance companies offer discounts when you insure more than one person or car on the same insurance policy. In addition, consider whether the person being added to the policy is a teenager with good grades or a spouse with a specific career or occupation. Many insurance companies offer “good student” discounts and discounts for people in certain occupations such as engineer, scientist, teacher or member of the military.

Whether you are looking to save money on your auto insurance premiums or you are experiencing a life changing event, get your free car insurance quote today. It’s quick, easy and you could save a bundle!
Get the Policy that’s Right for You

To find the car insurance policy that’s right for you and your family, it’s recommended that you brush up on some basic information about auto insurance. That way, you’ll better know what type of insurance you need and you’ll know what questions you should ask.

When shopping for a new car insurance policy, use this handy guide to learn more about the types of coverage and to help personalize your plan so you can protect yourself, your loved ones and your vehicle.

Protect Yourself and Your Loved Ones

The types of coverage listed here will help protect you and your loved ones if you are ever injured in a car accident or face any legal and financial obligations after an accident.

• Liability Coverage

If you are at fault in an accident and other people or property are injured or damaged, you could be held legally responsible for the medical care costs and the repair costs to everyone affected by the accident. Liability Coverage can protect you from these expenses. In addition to Liability Coverage, you can get additional coverage to protect you if there are excessive damages in the means of bodily injury and property damage.

• Bodily Injury Liability Coverage

Without Liability Coverage, you could be held responsible for the bodily injury people experience as a result of the accident. You could have to pay for all the emergency aid that takes place at the scene of the accident, medical expenses and services, compensation for loss of income, funeral expenses, legal defense fees and other expenses.

• Property Damage Liability Coverage

In addition to the bodily injury expenses, you could be held responsible for the property damage that occurs. Besides the vehicle repair or replacement of the other party’s vehicle, this can include having to pay for the structural damage to homes or storefronts and repairing or replacing stationary objects such as telephone and light poles. Property Damage Liability coverage can also help protect you in a lawsuit.

• Medical Payments Coverage

If you are in a car accident and your passengers in the car with you are injured, Medical Payments Coverage will help pay for any reasonable and necessary medical bills. This will also help cover other members of the family when they are driving the insured vehicle. Medical Payments Coverage will help pay for the medical treatment for any injuries related to the accident, regardless of who is at fault. These costs can include doctor visits, hospital stays, surgery, x-rays, ambulance fees, emergency medical treatment and other such expenses.

• Underinsured or Uninsured Motorist Coverage

If you and any passengers are in an accident that is caused by another person but that person has minimal or no auto insurance, you may have a difficult time having your expenses due to the accident covered. This can include medical and property damage expenses. Underinsured or Uninsured Motorist Coverage can help cover some of the medical and repair costs.

This type of coverage is split into two parts: Bodily Injury Coverage and Property Damage Coverage. Bodily Injury Coverage may pay medical expenses for you and your passengers or any other family members who may be driving the car when they are injured by an accident caused by an uninsured or underinsured driver. Property Damage Coverage pays for damages to your car caused by an uninsured or underinsured driver. This type of insurance is not available in all states, so you will have to consult your insurance agent if you are interested in this coverage.

• Personal Injury Protection Coverage

Personal Injury Protection Coverage helps pay for the cost of living expenses that are interrupted because of an auto accident. For the weeks and months following an accident where you are injured, Personal Injury Coverage can reimburse you for lost income, child care expenses, medical expenses, and other similar expenses while you are healing from your injuries. After an accident, Personal Injury Protection Coverage takes care of other worries so you can focus on recovery.

Protect Your Vehicle

The types of coverage listed here will help you get your car back on the road after an accident, repairs or damage to your vehicle.

• Collision Coverage

Collision Coverage can help you get your car back on the road if you are in an accident with another car or a stationary object, such as a tree or a stop sign. This coverage will help protect you from repair costs from the accident.

Collision Coverage can help pay for the repairs or the replacement up to the value of your vehicle. This is determined by the Actual Cash Value (ACV) of your car, which takes in to consideration wear and tear of your vehicle and how old it is. With these considerations, the ACV is usually less than what you originally paid for the car.

• Comprehensive Coverage

If your vehicle is damaged in way other than a collision with another car, Comprehensive Coverage can help protect you from the cost of the damages. This type of coverage will help in incidences such as theft or vandalism, a natural disaster like a storm, or “passive objects” like a tree or post falling on it. Comprehensive Coverage can even help if damage is caused by a collision with an animal on the road or a window or windshield.

Understand Your Policy

It’s important to understand your policy. If you are ever in an accident, need repairs on your car or experience any damage, you’ll want to know just what is covered and what is not to avoid any unexpected costs.

• Limits and Deductibles

Limits and Deductibles apply to certain types of coverage and determine how much the expenses will be paid by your insurance company and how much you will have to pay.

When building an auto insurance policy that fits your needs, you need to understand what is covered and what is not, and how much coverage you actually need. These decisions can have a big impact on your premiums and on making you whole again after an accident.

• Coverage Limit

The higher your coverage limit is, the more protection you may have should you be involved in an automobile accident. By lowering your limits, you can save money on your premiums. However, in the event of an accident, you may have to pay more out of pocket once your coverage limits are reached.

• Deductible

A deductible is the amount of money you choose to pay out of pocket after you make a claim on your policy. After that amount is paid, your insurance policy will pay the remainder. For instance, if you have a claim to make a repair on your vehicle that costs $2,000 and your deductible is $500, you will be responsible for paying $500 and then your insurance would pay for the remaining $1,500. You can choose to have a higher deductible amount to save money on your premiums, but should you have to make a claim, you will have to pay a higher amount before your insurance picks up any of the tab.

• Additional Coverage for Peace of Mind

You can choose to place additional coverage on your auto insurance policy to give you peace of mind should any unexpected incidence happen involving your car that are not covered in your insurance policy. You can add towing, labor costs coverage and other basic roadside-assistance expenses. You can also add rental car reimbursement coverage to your insurance policy or coverage for specific items if they are stolen or damaged, such as an expensive sound system. Talk to your insurance agent if there are any similar additional coverage needs you may have but you are unsure how they would fit into a policy.