When looking to purchase automobile insurance, it is always wise to ask for car insurance quotes. An auto insurance quote is easy to get and helps consumers make informed decisions. They can be obtained online, by visiting an insurance agent, or by calling an insurance agent or talking with an insurance company’s customer service department over the phone. To ensure that you are getting accurate auto insurance quotes, make sure you provide the companies with accurate information.
When asking for a quote, have the needed information handy in order to expedite the process. Have the make, model and year of all vehicles that will be covered by the policy. It is also wise to have vehicle identification numbers (VINs) ready to ensure that the quote is accurate. Have the names, ages, dates of birth and driver license number for every driver that will be covered by the policy. The next step is to ensure that you get the right coverage for you; the coverage that best fits your needs. Many states require liability insurance and have minimum requirements for those policies. It always wise to check on state laws regarding auto insurance requirements.
If your vehicle is paid for and is an older vehicle with a lower book value, you may want to consider whether you only want liability coverage, which protects you if you are at fault in an accident, or full coverage, which also protects you in the event of the loss of your vehicle. Remember, your insurance adjuster will not pay you more than book value of the vehicle unless you have purchased special coverage for custom equipment or gap insurance to cover the car’s additional value.
When looking at full coverage insurance, such as collision and comprehensive coverage, look at the amount of the deductible when getting auto insurance quotes. The higher the deductible amount, the lower the insurance premiums. But, a higher deductible means you will pay more out of pocket in the event of an insurance claim. Consider what you personally can afford.
Also, see if the insurance company includes uninsured motorist coverage in the liability policy, or if uninsured motorist coverage is required by your state. If uninsured motorist coverage is not required, consider this coverage and whether it could be beneficial to you. Uninsured motorist protects you and your property in the event that you are in an accident caused by someone who does not have auto insurance.
There are several things to consider when getting auto insurance quotes, but when used properly, auto insurance quotes can save you time and money, and can make sure you get the right coverage for your needs. They are an important part of the decision process when it comes time to become insured. Obtaining quotes from various insurance companies allows you to compare the rates, coverage and more, and is an invaluable tool for comparison shopping for insurance.
Whether you are searching for auto insurance, health insurance, or life insurance for yourself, your family or a business, obtaining quotes from the leading insurance companies is a good way to narrow down your options. Of course, you should consider more than price and the amount of coverage. You need to take into account the customer satisfaction rating of the company. Do they have a lot of complaints or are they generally well-liked? Check out consumer reports websites and magazine as well as the Better Business Bureau. Upon learning the reputation, rates and coverages of the companies, it is much easier to make an informed decision when shopping for online auto insurance quotes.
We recommend the Google Automotive Insurance Directory as a great place for research.
This page was last updated on May 22, 2010