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Things to Remember...
  • Using an online comparison site can help you find the right insurance coverage at a good price
  • Every state has different insurance requirements; make sure you know what you are legally required to buy
  • Find out the information you will need for an auto insurance quote before contacting a provider

Car insurance can put a serious crimp in your budget, but it doesn’t have to.

There are several ways to save on this important protection without reducing your coverage or raising your deductible.

Online comparison sites allow you to easily compare information and choose the right insurance company for your needs.

Use our FREE comparison tool to compare auto insurance quotes from three to four companies NOW!

Know Your State Laws

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Insurance requirements vary from one state to the next. You must have coverage to protect other drivers and pay for their property in the event that you cause an accident.

In Florida, you only need to have $10,000 for bodily injury coverage on an individual other than yourself, but Alaska requires $50,000 for this type of protection.

Property damage limits in states like California can be as low as $5,000, but they’re as high as $25,000 in states like Georgia.

The goal here is not to carry the state minimum amount. While this is required to be in compliance with the law, it does nothing to protect your personal property and assets in an accident.

If you don’t have enough coverage to pay for the damage you’ve caused, the other driver can sue you personally for the difference.

You also need uninsured/underinsured driver protection to ensure that you’re covered if someone else causes an accident.

Your insurance levels should be high enough to replace your car, and you should have enough coverage to shield your assets in the event that you’re sued.

Knowing what the state laws are can help you choose the right level of protection.

Basic Information Required

In addition to knowing what level of coverage you require, you also need to have some basic information on hand to share with the insurance company.

This starts with your personal information like address, age, and marital status. You’ll also need to have information about your driving record and the cars you own.

All of these details are taken into account when you apply for coverage, and the companies will need this information to provide you with an accurate quote.

The insurance company will also want to know about your desired coverage, extra protection you may be interested in and how the car will be used.

Expect to provide information regarding your commuting distance, miles driven annually and who is authorized to drive your car.

After offering a quote, most companies will take the time to confirm your information. If you misrepresent your driving record, the initial offer may be rescinded.

Avoid the frustration by answering the questionnaire as honestly and completely as possible.

Remember the Discounts

 

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You may qualify for discounts, so keep this in mind as you compare quotes.

  • State Farm offers up to 10 percent off when you maintain a safe driving record for three consecutive years
  • Farmers Insurance Group gives teachers, police officers, dentists and other professionals special discounts
  • Geico says thanks to military members by providing them with savings of up to 15 percent

You can also save money with most companies if you maintain a high credit score.

Most companies that offer different insurance policies also reward you for having multiple policies with them.

When you find the right company for your car, see if you can save by switching your homeowner’s insurance or buying life insurance with them.

If you have multiple cars, there may also be a multi-vehicle discount that will help you save money.

When you compare quotes from different companies, take a moment to ensure that you’re looking at the final price after all discounts have been awarded.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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One Step is all it Takes

Once the information is assembled, you’re ready to make good use of an online comparison site.

You’ll only have to enter the information once, and the system will automatically send your request out to different companies.

You could spend the day making phone calls and talking with different agents, but you’ll save time and frustration with an online tool.

All you have to do is enter the information and then wait for the quotes to come in. The systems are easy to use, and you can review the quotes at your leisure.

Tracking the Information

The agents will review your information and generate a quote based on your personal needs.

They may contact you by phone or e-mail, so you should be prepared to record the information they give you.

This is your chance to ask questions about if they have any additional discounts and confirm your final price.

Keep a notebook or start a spreadsheet on your computer to easily track and compare quotes.

More than Numbers

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Cheaper usually is not better. When you want quality coverage, you may have to pay a little more to ensure that you’re protected.

In addition to providing you with fast and easy access to quotes, the online search tool also provides you with information that goes beyond the numbers.

Look for information on how easy it is to file a claim with a company, if they have flexible payment options, and what their customer service ratings are.

If you like the quote from a company you’re not familiar with, then you might want to check the financial stability of that company with an agency like A.M. Best or J.D. Power.

As you narrow down the field, talk with friends and family members to see what companies they use. The personal recommendation from a trusted friend may help you choose the right company.

Remember that the price you pay every month isn’t really the bottom line. Your goal is to find a company you can trust at a price you can afford.

Enter your ZIP code into the FREE tool below to start comparing rates now!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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