Where can I find cheap auto insurance quotes online?

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Things to Remember...

  • There are different ways of acquiring a quote online – call an insurance agent, or find a number of quotes online.
  • There are several different types of coverage that you need to know about. These include liability coverage, collision coverage, and medical coverage.
  • Ask for quotes with different limits just to see the difference in premiums.
  • Before looking for an insurance quote, have your name and personal information prepared.
  • It does pay to get quotations from different companies in your area when seeking insurance. Even if you don’t save a lot of money, you’ll be glad you looked and examined your options.

It is a smart move to research prices on full coverage car insurance considering the bite monthly premiums take from your budget. Car insurance is vital because forty-seven of the forty-eight continental states require you to have it legally.

Furthermore, if you have a loan or lease that helped you with the cost of your car, the lender or lessor is going to require that you insure the vehicle to secure their collateral.

Use our FREE auto insurance comparison tool above by entering your ZIP code.

Getting Quotes

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Acquiring quotes is relatively easy. There are several ways to do it:

  • Ask an Insurance Agent – there are two types of insurance agents and you need to know the type of agent you’re talking to proprietary agencies and independent agents who represent several insurance companies and sell each company’s products.
  • Enter the Term — You will be faced with a long list of companies willing to give you a free quotation for car insurance on the internet. You may find some sites that quote the costs of insurance from several different companies.

Knowing What You’re Shopping For

If you already have insurance, you probably know a bit about the coverage you want and the premium you are paying right now. If you do not, you’ll need to know the types of coverage that is available and what they cover.

Here is a relatively brief discussion of auto insurance and what coverage is available:

  • Liability Coverage – This pays for accidental bodily injury and property damages to others caused by you. Bodily injury damage includes such things as medical expenses, pain and suffering, and lost wages because of the accident.
  • Limits of Liability Coverage – Each state requires a certain limit of liability insurance. You may request more coverage than required by law, indeed, it’s advisable to carry more because many the states don’t require enough to cover you fully.
  • Collision Coverage – This pays for the damage to your vehicle caused by a collision with another vehicle or object.
  • Collision Coverage Limits Ordinarily a deductible is applied to this type of coverage to help reduce the cost. Your lender or lessor will require this coverage and tell you what deductible they will accept.
  • Comprehensive CoverageThis pays for damage to your vehicle caused by factors other than an accident. Some of these hazards are fire, wind, hail, flood, vandalism, theft, glass damage, and animal damage.
  • Comprehensive Coverage Limits Again, a deductible is usually attached to this coverage and this coverage, too, is required by a lender or lessor. Your lender or lessor will tell you what deductible they will accept in your contract.

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  • Medical CoverageThis is optional in many states, but pays for medical expenses because of an accident regardless of who is at fault.
  • Medical Coverage Limits As more and more individuals have health insurance that will cover these bills, rates and limits are being reduced. Since this protects you and your passengers, it is wise to look at the coverage carefully.
  • Personal Injury Protection (PIP) — This coverage is sometimes called no-fault insurance. Some states require this coverage to be carried because it pays for medical expense for the insured driver no matter who is at fault.
  • PIP Coverage Limits These limits are set by the particular state in which you live. They vary widely and you should investigate them thoroughly so you know what you’re purchasing.
  • Uninsured/Underinsured MotoristsThis insurance pays for damages to when you are involved in an auto accident involving someone who has no insurance or not enough insurance.
  • Uninsured/Underinsured Motorists Coverage You may purchase both bodily injury and property damage coverage under this format. The Bodily injury coverage will cover your medical expenses, whereas property damage covers the damage to your car. Insurance companies often allow you to waive this coverage.
  • Rental ReimbursementThis coverage pays for a rental vehicle if your car is not drivable due to a car accident. The coverage is optional with insurance companies and requires thought. Decide if you will need it, but include it in the quote you request.

Information Needed for Car Insurance Quote

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You will need the following information when getting an insurance quote:

  • Name, address, date of birth, and driver’s license number for all drivers.
  • Make, model, and vehicle identification number for all of your vehicles. (Warning: don’t skip any of them, even if you seldom drive the vehicle.)
  • Coverage you desire and the limits of liability for which you want a quote.

Here are some things to keep in mind before you ask for quotes:

  • Ask for quotes with different limits just to see the difference in premiums.
  • Online quotes will ordinarily break out the premiums per coverage, if they do not – ask.
  • Observe the fine print in the quotations and take the time to research. Attempt to purchase with the mind of a consumer, not someone who is attempting to get the lowest price. You want to save money, but also get the best coverage possible.

The Bottom Line

Quotes vary widely in the insurance marketplace. Recently a quotation was requested for the following vehicle:

2012 Eight Passenger SUV with $100,000/300,000 bodily injury liability; $50,000 property damage liability; $500 deductible comprehensive and collision; and uninsured/underinsured motorists insurance.

The owners are in their 40’s with no traffic violations, an average credit rating, and use the vehicle to commute to and from work.

Premiums vary from $249.00 every six months all the way up to $702.00 every six months. Each of the seven companies that quoted was reputable insurance companies with an appropriate rating with A.M. Best and J.D. Power for stability.

It does pay to get quotations from different companies in your area when seeking insurance. Even if you don’t save a lot of money, you’ll be glad you looked and examined your options.

Insurance companies change their underwriting policies every few years depending upon their profits and losses in certain areas. Keeping a file of past quotes can allow you to ascertain where you might look if your rates increase dramatically in another year or so.

Use our free online tool to start looking for quotes online!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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