How do I avoid trouble with car insurance companies?

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Things to remember...
  • It is a good idea to compare at least three different insurance companies when buying auto insurance
  • Be honest about your driving record and the record of any drivers who will be listed on the policy
  • Your credit score can also impact your monthly rate

Shopping for auto insurance can be an overwhelming task.  Having to speak to representatives of several different companies and repeating the same information over and over again in order to get quotes and information can seem like an uphill battle.

Today, there are a number of auto insurance comparison websites available that will do much of the work for you.

Our FREE auto insurance comparison tool will give you great quotes when you enter your zip code!

Auto Insurance Online Comparison Shopping

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There are several ways how auto insurance companies make online shopping easier. Some sites provide you side-by-side quotes from several insurers at the same time, while others send the information you provide to insurance companies and those companies will then contact you with their quote.

Some sites provide you side-by-side quotes from several insurers at the same time, while others send the information you provide to insurance companies and those companies will then contact you with their quote.

In most cases, you will not be able to choose which insurance companies your information will be submitted to, so if you do want to get a quote from a specific company you may still need to contact that company directly.

However, if you are, like most of us, interested in finding what makes affordable auto insurance companies for you without having to spend an enormous amount of time, using a comparison shopping site is a good idea.

You simply enter your information one time and then compare quotes from several companies. Also, the companies know that they are competing against others in an effort to win your business, so they have an incentive to try to provide the best possible price.

FREE Auto Insurance Comparison

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Consider Your Vehicles and Driving

When choosing what kind of insurance you need, consider the age of your vehicles and what type of driving do.

While nearly every state requires that you carry liability insurance, which protects any other injured party in the event that you cause an accident, you are usually not legally required to carry comprehensive and collision coverage, which covers damage to your vehicle.

Whether or not it makes sense often depends on how much your car is worth. Generally speaking, if the premium for those coverages is more than 10% of the car’s value, you should consider dropping that coverage.

Consider Payment Options

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Most companies’ quotes will be for a 6-month period and generally assume that you will be paying the premium in full when you purchase the policy.

Many of the companies do have other payment options, but charge fees or reduce discounts if you do not pay in full at the beginning of the policy.

If you know that you will need to use a payment plan for your premiums, be sure to ask for quotes based on that payment plan.

Bear in mind that if you have a loan on your vehicle, your lender will likely require that you carry full coverage, regardless of the value of the vehicle.

Check with your lender first so you know what coverages you are required to have and the maximum deductible you can select.

Be Honest and Realistic

Be honest about your driving record and the record of any drivers who will be listed on the policy.

Attempting to hide blemishes on your driving record may result in a lower premium up front, but once your insurance company obtains a copy of your driving record, they could significantly increase your premium, if not cancel your policy based on fraud.

List all licensed drivers in your household, even if they don’t routinely drive. Failing to list a driver can cause problems down the road should that driver cause an accident.

Not only could you end up being financially responsible for any costs associated with the accident, but the driver could also end up facing criminal charges for failure to provide adequate insurance.

There is also the chance that your insurance company could cancel your policy, making it harder to find affordable coverage going forward.

Compare Your Quotes

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Bear in mind that the quotes you receive are preliminary quotes, based strictly on the information you have provided. Once you select a company to work with, they will do a more extensive investigation.

This includes obtaining credit reports and driving records for all drivers. It is possible that the original premium you were quoted will be adjusted once your insurer has that information.

Once you’ve purchased your policy, be sure to keep your insurance company informed of any changes to your situation, such as adding a new vehicle or a newly licensed driver.

You should also inform them of any tickets that are issued to a driver and any accidents that happen, even if you are not at fault.

Even though it may result in an increase in your premiums, failing to provide relevant information to your insurer will almost always result in problems down the road.

If you’re ready to start comparing FREE auto insurance rates, enter your zip code in the box below!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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