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How to Find Great Auto Insurance with No Gimmicks

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Things to Remember...

  • It’s a good idea to shop around for reputable auto insurance
  • Everyone needs to have bodily injury and property damage liability insurance for their car, in case you’re responsible for causing an accident. This insurance will pay for the damages other people and property incur
  • The minimum amount of liability insurance you have to buy varies from state-to-state

If you’re on a tight budget or a busy schedule leaves you little time to relax, then the last thing you need is annoying gimmicks when you shop for auto insurance.

Thankfully, if you go about it the right away, finding great and affordable car insurance can be completely gimmick-free!

As any experienced driver knows, finding great auto insurance at an affordable price is one of the more important purchases you can make.

Not only do you need insurance to drive, but also making sure you’re covered from any costly damages in an accident will give you great peace of mind.

Find cheap and reliable car insurance now by entering your zip code into the FREE box above!

Consider Your Insurance Options

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A great place to start before you begin shopping for car insurance is to consider your options. By reviewing what kind of insurance you need first, the easier you’ll spot gimmicks down the road that offer products you don’t need.

If you already have car insurance, look at your current policy to refresh your mind on what you’ve been paying for.

Next, review your current driving circumstances and consider whether anything’s changed recently.

If you’re driving the same amount, in the same region with the same amount of traffic, you may not need to make any big changes to your coverage.

If you’re driving a lot more these days or in busier traffic, however, you may decide you need more car insurance just to be safe.

The reality is, the more often you drive in busy traffic the more likely an accident is.

It’s a good idea to review what kind of insurance coverage is available and what you may be offered. Again, the more you know about this, the quicker you can bypass any hassles or sales gimmicks.

Everyone needs to have bodily injury and property damage liability insurance for their car, in case you’re responsible for causing an accident. This insurance will pay for the damages other people and property incur.

The minimum amount of liability insurance you have to buy varies from state-to-state, and you can find out how much is required by contacting your state government.

For example, if you live in Colorado, the Division of Insurance provides all the necessary information regarding that state’s requirements.

Remember, though, this is the minimum amount of insurance you legally must have for your car. Many drivers decide to purchase higher amounts of insurance and different types, to make sure they or their family are fully protected.

Car accidents can cause thousands of dollars in damages, and if you’re not properly covered, the financial fallout could be devastating.

Other types of coverage include:

Collision will pay for damages your car receives in an accident you cause, while PIP insurance will help cover medical bills and additional costs that your health insurance might not.

If you want to cover yourself from auto repair bills that come from non-motorists, like hail storms or vandalism, then consider buying comprehensive insurance.

Many state governments provide information about the different kinds of auto insurance. For example, Maine’s Bureau of Insurance offers an online consumer’s guide to auto insurance.

Check Up on Insurance Providers

In order to keep your auto insurance shopping hassle free, then it’s important to do some background checking on the companies you plan to deal with.

Although one insurance provider may give you a great quote, some people may have found their customer service to be lacking.

Maybe other customers felt misled by the company in terms of what their policies offered.

You can find out more about an insurance provider by researching online or by checking with organizations like the Better Business Bureau.

In addition, the United States Government advises consumers to make sure that any insurance website they use is secure, and that it has a URL with “https:” at the start.

If you’re not familiar with the company or it doesn’t have a good reputation, then don’t provide any personal data or just move on.

Have Your Information Ready

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Another way to avoid any gimmicks is to know what information you’ll need to provide insurance companies and have it ready to go.

In order to get insurance quotes, you will need to answer a few general questions like what kind of car you drive, how often you’re on the road and what state you live in.

You will not have to provide any detailed, personal information to get a quote.

Some companies, however, may ask for your social security number as way to check your driving record and credit rating. Insurance providers need to check this to make sure you’re a safe driver who pays their bills.

If you have a record that doesn’t show this, then insurance companies will see you as a high risk to insure and will charge you more.

If you’ve done your homework about a company and have checked its website to make sure it’s secure, then you’ll likely feel better about providing the necessary info.

It’s also a good idea to have your current policy on hand in case you or the insurance provider has any questions about your coverage.

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Talk to an Independent Insurance Broker

One of the ways you can find great auto insurance is by contacting an independent broker, who are licensed professionals that sell insurance. Independent agents don’t work for any of the major providers.

As a result, they likely won’t use any gimmicks to convince you to buy one company’s insurance over the other.

When you meet with a broker, they will ask you what you’re in the market for and they will try to find something that fits your needs. They may discuss this with you over the phone or ask you to meet in your home or their office.

You can locate an independent broker by searching online or contacting various local organizations. For example, if you live in the Lone Star State, contact the Independent Insurance Agents of Texas.

While most insurance brokers are highly qualified experts about various kinds of insurance, many work on commission. Depending on the agent, there’s a chance they might apply a little pressure in order to get a sale.

Contact Several Companies

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You can also do the legwork yourself and contact each major provider to see what they’re offering.

After you do some research to see if a company has favorable reviews, you can contact them online or by phone. After you answer a few questions, they’ll present you a quote.

If you’ve done your homework and are familiar with what kind of insurance you need, then you’ll spot any gimmick to sell you something you don’t need right away.

If you get a lower quote from one company, be sure to mention that to their competitors, as they may offer to match it.

Search and Compare Online

One of the best ways to find great coverage for your vehicle is to use a website that specializes in comparing car insurance.

Not only can you do so within the comforts of your home, but while you research your options, you don’t have to deal with any gimmicks or talk to an insurance salesperson.

After you answer a few general questions, the website will get you quotes from several insurance providers right away or within a few hours!

While a quote is just an estimate, it should give you a good idea of what you will have to pay for your car insurance.

Once a provider has your more detailed info, the rates they offer could go up or down, but the price should be in the right ballpark.

Once you review the quotes, you can choose what policy you want to buy, on your own, without any pressure. Just make sure that whatever coverage you choose is really the type of insurance you need.

Ask for a Discount

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Before you agree to any price, however, make sure to ask for a discount! If you’re an experienced motorist with a great driving record, then an insurance company might offer you a discount to get your business.

If you’ve been with the same company for a while, they may offer you discount to keep you as customer. Many insurance providers also offer discounts to seniors and veterans.

If you’re student or a parent shopping for their teen’s car insurance, be sure to ask the company if they offer a discount to people with good grades. Many companies offer discounts to full-time students who have a B average or higher.

Once you’ve found new car insurance, gimmick-free with no strings attached, then it’s time to buy. Before you do, however, it’s always a good idea to review your current coverage and review the cancellation policies.

Before you cancel your current policy, make sure that you have new insurance ready to go to ensure so that the insurance on your car doesn’t lapse.

Start your search for great auto insurance now when you click here to enter your zip code into our FREE search tool below!

FREE Auto Insurance Comparison

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