Getting an Automobile Insurance Quote

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Things to Remember...
  • Having auto insurance is a legal requirement in all of the United States
  • Bodily injury liability provides insurance in the event that you are legally responsible for injury to another person.
  • Medical insurance provides reimbursement for medical expense for you or your passengers in the event of an accident

Automobile insurance is an intangible commodity to most people. Having auto insurance is a legal requirement in all of the United States.

Because of the fact that many people cannot foresee the possibility that car insurance could be useful in their lives, they often neglect auto insurance and its costs.

Be sure to compare quotes for auto insurance before deciding on a policy. Use our FREE tool located at the top of the page!

Why Auto Insurance is Necessary

AdobeStock_16579090-1600x1600

In fact, the U.S. National Highway Safety Traffic Administration (NHSTA) reports that in 2009, 5,505,000 crashes occurred in the United States. These crashes were separated by percentage: 0.6 percent were fatal, 27.6 percent were nonfatal, and 71.9 percent involved property damage only.

From this, it is possible to deduce that a number of individuals will be involved in car crashes annually.

Reasonable individuals do have automobile insurance because, not only is it the law, but the insurance can protect us from grave financial loss whether it is caused as a result of bodily injury or property damage.

As evidenced by the statistics stated, accidents do happen to over five million people annually.

The fact that accidents do happen indicates to us that insurance, even though you can’t see it, is necessary. Not many of us argue with that fact.

However, as with anything we purchase, comparison shopping before purchase is an excellent idea both to reduce the amount of money insurance takes from our budgets and to be certain that we get the best insurance coverage available.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Shopping for Auto Insurance

Comparison-shopping for insurance should be done at least annually because the insurance marketplace is volatile. You should do comparison-shopping even if you already have insurance.

There are two ways to shop for insurance:

  • The first is to go to your local independent insurance agent and ask that he or she investigate to see if he or she can find better prices and/or coverage using the information from your current insurance policy. The advantage to this approach is that usually the local independent agent will make collecting information and choosing coverage easier for you because he or she is an insurance professional with the experience and expertise to advise you on insurance.
  • The second is to go on the Internet, enter “automobile insurance” in a search engine, and select a site to acquire an insurance quote. You will need to know more than a bit about insurance to do this, but it is worth the time and research to be knowledgeable.

The information you will need to know in order to get an insurance quote:

Types of Coverage

adobestock_51089237-1600x1600

There are variables in insurance coverage that you need to know about before purchasing insurance.

Remember, you must have at least the minimal amount required by your state, but you need to ascertain for yourself the amounts of insurance that you need. Types of coverage are:

  • Bodily Injury Liability – provides insurance in the event that you are legally responsible for injury to another person.
  • Property Damage Liability – provides insurance in the event that you are legally responsible for property damage to another person’s property.
  • Medical Insurance – provides reimbursement for medical expense for you or your passengers in the event of an accident.
  • Physical Damage Coverage Property damage: reimburses you, less the deductible, for collision damage to your own car.
  • Physical Damage Coverage Comprehensive damage: reimburses you for weather damage, animal damage, vandalism, and glass damage.
  • Uninsured Motorist’s Coverage – protects you in the event that you are involved in an accident with an uninsured motorist.

How to Get Auto Insurance

When requesting a comparison quote, you need to be aware of the things that can cause variations in your insurance costs.

These are factors that can affect your costs:

  • Credit history – Your credit rating can affect your insurability. Most insurance companies do check credit reports now and their judgment of insurability is affected by your credit report.
  • Driving history – An accumulation of traffic charges whether or not they involve an accident can affect your rates and insurability.
  • Lifestyle – It is routine for insurance companies to acquire statements from neighbors or people in your community about your lifestyle.
  • Young drivers – Teen drivers cost more to insure because, although their reflexes are better than older drivers, their judgment isn’t as well-honed as more experienced drivers.
  • Elderly drivers – Drivers who are older than 65 may need to take defensive driving courses from an organization such as AARP to prove their insurability. Physical and mental infirmities are common, as we get older.

Learning About Discounts

AdobeStock_97798169-1600x1600

Be an informed consumer about insurance as well as other things you purchase.

Since 2008 auto insurance premiums have increased by 10 percent and rates in some markets vary from around $500 to $2,800 for the same coverage in the same area.

It pays to do comparison-shopping. Be certain to check the insurer’s available credits such as:

  • Good student discounts
  • Driver-training discounts
  • Refresher courses for older drivers
  • Anti-theft equipment and safety equipment
  • Possible multi-policy discounts – combining homeowner’s and auto insurance, for example
  • Reduced mileage costs – if you drive fewer miles/commute fewer miles

Your state insurance department may provide rate comparisons. A link may be found at to your own state’s insurance department. After selecting an insurance company, check carefully to discover the A.M. Best financial rating for the insurance company you’ve selected.

Check a consumer’s website, too, to discover the repair policies of that particular insurance company. The best insurance companies repair damaged vehicles with parts from the original manufacturer, whereas others will require that repair facilities use aftermarket parts that may not be as durable as the originals.

One of the largest portions of your car insurance is the cost for vehicle damage.

You can reduce these costs by examining the model of car that you purchase.

The National Highway Traffic Safety Administration produces a booklet called “Relative Collision Insurance Cost Booklet” that should be available at your car dealer.

When you finally receive the insurance policy you’ve chosen, be certain to check the policy for accuracy. Check the automobiles, their VIN numbers, the coverage, the drivers, and read the policy. Be certain that you understand the policy.

Insurance companies are mandated to provide policies that are readable for the average person, so they are available to interpret the policies for consumers.

Be a careful, responsible consumer when it comes to insurance as much as you would any other product. Compare auto insurance easily with the FREE tool below. Enter your zip code to get started now!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]