Insuring a car is a crucially important task that can be invaluable if you’ve picked the right company and the right coverage in the event you need to file a claim. As important as the choice of an insurance company and policy is, that doesn’t mean you have to drive around town visiting one insurance agent after another. This is a job that can done online, if you know the information you need and what pitfalls to avoid.
What You Need to Know
Before you turn on the computer, make sure you have all the information about the car you are trying to insure. This includes the VIN number, and all of the features and accessories that came with your vehicle. This is important because your auto insurance quote can vary depending on the model of your car and whether safety features, such as anti-lock brakes and air bags, are included. Make sure you are familiar with your state’s requirements for auto insurance. All states have minimum coverage requirements, and online rate finders will ask you for that information and assume that you are purchasing at least the minimum insurance required by your state. If you’ve made a mistake and are ever stopped by police, you face an expensive ticket and the chance that your insurance rates will increase because of that violation.
Get at Least Five Online Quotes
Take advantage of the power and ease of the Internet by visiting at least five auto insurance companies online for free insurance quotes. Many sites that provide insurance quotes will search a variety of different companies, making your search even easier. Most companies will provide insurance quotes for free. Be careful which you choose to get online quotes. One disadvantage to using the Internet is the number of scammers who construct insurance sites that seem legitimate; come back with quotes that beat anything else you can get online, and then take any money you send. To avoid a scam, pick a company you are familiar, or check with the Better Business Bureau to make sure the company you have chosen is legitimate and has a good record when it comes to complaints and complaint-resolution. You should also make sure there is a phone number or way to check with a representative from the insurance company you choose. Make sure that you are comparing apples to apples as you check the quotes you have compiled against one another. It’s important that you ask for the same level of coverage, same deductible amounts and answer all questions the same. Remember that deductibles are the amount you pay before the insurance company picks up the cost of the claim. The higher the deductible, the lower the insurance premium. Do not mix and match deductibles from different companies, because that will affect their quotes and you won’t know who is truly offering you the best deal. The same goes with information like how much mileage you put on a car in a year. Insurance companies give out lower rates for vehicles with lower mileage figures.
Better Safe Than Sorry
With the quotes side by side, you can pick the company that provides the coverage you want at the price you are most comfortable with. But before you choose the company, give them a call to ask about customer service and how to file a claim. An inexpensive policy is a good thing, but if it’s difficult to get someone out when you have an accident, that can be a deal breaker.
Remember that the power of the Internet, as long as you are being careful to watch out for scams, can help you find the best car insurance. Start your search with the Free Auto Insurance Rate Finder tool at the top of the page.