How do I ask an auto insurance company for quotes?

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Things to remember...
  • One place to request car insurance rate quotes is directly from an auto insurance company
  • Another source for auto insurance rate quotes is an independent insurance broker
  • One advantage to working with an insurance broker is that they can help you understand your insurance needs and make recommendations on ways to lower your rates

Auto insurance is mandatory is most states. It provides financial protection for you and your property if you are involved in a car accident.

However, it is important that you understand the basics of auto insurance in order to know what a car insurance quote really means.

Researching auto insurance quotes is a great way to make the right decision about which policy to buy.

Enter your zip code into our FREE auto insurance comparison tool above and find affordable auto insurance now!

Finding Auto Insurance Quotes

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It is important to compare the same type of insurance, the same level of insurance and the same deductible levels between insurance companies.

You should never have to pay for an auto insurance companies online quote, and when you are shopping for car insurance, you should compare at least three quotes before you make a purchase decision.

When you receive a quote for auto insurance rates, it is based on basic information you provide. When you submit your application for insurance, it is sent to the underwriting department of the insurance company.

There, it is processed, including running a credit report and a driving report.

Your credit impacts your auto insurance rates, so your insurance premium rate will probably increase if you have poor credit. You should receive a notification by mail if this occurs and your future payments will be adjusted.

Companies and Brokers

One place to request car insurance rate quotes is directly from an auto insurance company. You can accomplish this by going to the company website, where you will find information about the company and what products and services they offer.

In most cases, you can request a quote directly on the website. You can also call an insurance company and talk to them about your insurance needs and request a rate quote.

Another source for auto insurance rate quotes is an independent insurance broker. Almost all independent brokers represent multiple companies, so they are able to provide you with several quotes to compare.

One advantage to working with an insurance broker is that they can help you understand your insurance needs and make recommendations on ways to lower your rates.

Comparison Websites

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You can also receive multiple auto insurance quotes by visiting an insurance comparison website.

Insurance comparison websites contract with insurance agents and companies for the ability to provide rate quotes when requested by consumers.

You will only need to enter your basic information one time to receive several quotes.

Quotes may be on the website itself, or via email or telephone contact.

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Forms of Auto Insurance

There are many different kinds of auto insurance and each provides a different type of protection for you and your property.

The foundational idea behind any insurance is that it provides you with protection from losses and potential lawsuits.

If you are involved in an accident and do not have enough insurance to pay for related expenses and you are responsible for the accident, your assets may be vulnerable to a lawsuit to recover those losses.

Liability Insurance

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Liability auto insurance is the insurance that most people carry for their car.

It is mandatory insurance in 47 states and you must show proof of insurance when you register your car or if you are stopped for a traffic violation.

Liability insurance pays for damages to the other person’s property or injuries if you are responsible for the accident.

It does not pay for damage to your property. It also does not pay for treatment for injuries your passengers or you receive.

Mandatory liability insurance coverage levels are very low and usually inadequate to pay for the costs associated with even minor accidents. As a result, it is a good idea to purchase additional liability auto insurance if at all possible.

Collision Insurance and Comprehensive

Collision insurance is not legally mandatory, but if your car is leased or financed, your lender will require you to purchase it. Collision auto insurance pays for damages to your car if it is involved in an accident.

Accidents can include hitting other vehicles, buildings, and fences. Additionally, collision covers damages to your car regardless of who is driving it. It also pays for damages that are the result of a hit and run accident.

Comprehensive auto insurance is another form of insurance that you will be required to buy if your car is leased or financed. It is not required by law. Comprehensive insurance pays for damages to your car that are the result of events other than a collision.

Examples of damages covered under comprehensive insurance include hail storm damage, flood or fire damage, and damage that is the result of hitting an animal.

Personal Injury Protection

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Personal injury protection is mandatory additional auto insurance in 14 states. It is also referred to as “no fault” insurance, PIP and “medical expense” auto coverage.

Personal injury protection pays for medical expenses regardless of who is responsible for causing the accident.

In addition to paying for doctor visits, hospital stays and medical treatment, it is also applied to rehabilitation services, lost wages and legal expenses related to the accident.

When you request a quote for auto insurance premium rates, it is important to understand exactly what kind of insurance will provide you with the best financial protection possible.

When you are buying insurance, you should buy enough auto coverage to pay for potential costs related to an accident.

Enter your zip code below into our FREE auto insurance comparison tool to find great rates for you now. For the best rates, compare quotes from a minimum of three companies before making a purchasing decision.

FREE Auto Insurance Comparison

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