Looking for online car insurance? Here's are five tips that can help make it easier to find savings and the right quotes.
1. Get some information ready. You'll want to be prepared to provide information about your vehicles, such as make and model, each driver (including Social Security numbers), and the coverages and deductibles you'll want. If you already have an auto insurance policy, and are just shopping around to look for a better deal (a good idea), just have your policy declarations page handy.
2. Get at least three quotes from different companies. Auto insurance rates vary from company to company, so you want to check out a few different quotes to see who may save you the most.
3. Identify the companies you want to get quotes from. You can get a list of car insurance companies that do business in your area from your state's insurance department. Or, many people find it more convenient to use an insurance comparison site. With a comparison site you can provide your information once, and then you'll get back several quotes from different companies and agents.
4. Take notes about your quotes to help you compare and decide. You can just jot down information on a sheet of paper, or use a car insurance quote comparison sheet like this.
5. When you've found a quote you like, you may want to check the company's financial stability. There are several organizations that rate insurance companies, including Weiss, Standard & Poor's and A.M. Best. Visit their Web sites to get more information. You can also check with your state's insurance department to see if there have been any complaints about the company.
Remember, there are additional ways to lower your insurance costs. When you are looking for quotes, ask about available discounts such as multi-policy, Anti-lock Brake Systems (ABS), anti-theft devices, low mileage, good student and more.
Also, you can lower your premium by increasing your deductibles on collision and comprehensive coverages. Of course you want to be sure you can come up with the deductible in the event of a claim.
Justin Scott is a free-lance writer. You can get free comparison car insurance quotes from several different companies at: LowerYourInsurance.com |
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