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Car Insurance Quotes: Five Tips to Keep It Simple

Updated March 28, 2014

Obtaining an ideal car insurance quote shouldn’t be a complicated process. By comparing and short-listing several insurance companies, the selection process can be much easier. Learn how to prepare yourself by reading the following five helpful tips which will guide you in finding the right coverage that best meets your needs.

 

1. Be informed of the basics

 

Policies and coverage differ depending on your location as insurance companies are state-regulated. Your basic coverage depends largely on your location. For instance, in New York, the liability insurance coverage minimums that fulfill the financial responsibility law include the following:

 

– $25,000 to $50,000 for injury

 

– $50,000 to $100,000 for death

 

– $10,000 for property damage due to an accident

 

2. Look for discounts and negotiate

 

There are various discounts that you may qualify for such as low insurance group cars, so be sure to ask every company you review about available discounts. For example, if you’re a good driver with a clean accident history, then you may be eligible for certain discounts. You may also avail of discounts if you insure two or more vehicles, and if you combine your auto insurance with life or homeowners insurance. If you haven’t done it yet, take an online defensive driving class to get a 10% discount on your yearly premium. The savings will surely add up quickly, if you get all of these discounts.

 

Moreover, try to negotiate. Tell the insurance company that you’re shopping around to find the best deal, and let them know the best quote you’ve received so far. Ask them if they can beat the quote. And if they offer a better deal, make sure that all of your specific needs are covered. Good coverage plus reasonable rates always win customer loyalty.

 

3. Know the coverage options that you need

 

Your choice of coverage is a huge factor in your quest for the best car insurance quotes. It will directly affect the rates that you’ll get. Assess your needs carefully. You may want to consider including important coverages, such as car rental reimbursement, gap coverage and comprehensive coverage. These may add to the total cost of your insurance, but most of them will certainly come in handy for you in the future.

 

Also, don’t forget to review your policy. Read every detail of the information handed to you by the insurance representative. You can also call your agent and ask for a comprehensive explanation of your policy. You need to determine what your exact needs are. The specific coverage that you needed years ago may not be as important to you now.

 

4. Shop around

 

An easy and effective method to compare quotes today is through online search. Be sure to find a reliable website that provides free quotes. InsuranceTown.com provides users free car insurance quotes.

 

Insurance rates vary depending on the insurance company, so shopping around is crucial. Do some research on the average auto insurance rates in your state, so you’ll know what to expect.

 

5. Prepare the necessary paperwork

 

To obtain an accurate quote, you may have to provide certain information, including your vehicle identification number, driver’s license and a copy of your current policy. Prepare other important information, such as speeding tickets, employment history, traffic violations and recent accidents.

 

Being an informed and prepared shopper will save you enormous costs on your car insurance. It’s essential to find a trusted online provider that will help you research different car insurance coverage and compare quotes. By doing a comparison shopping and following the tips mentioned above, you can find the right policy that exactly suits your specific needs.

 

Jeff Mathis has experience working in the car insurance industry and writes on the subject for various personal finance blogs, offering his advice and opinions.

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Chris Riley
About Chris Riley

I have been wrecking cars for as long as I've been driving them but I keep coming back for more. Two wheels or four, I'm all in. GearHeads.org gives me a chance to give something back to the automobile community.

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