Online Guide to Finding Cheap Auto Insurance: Things to Consider When Comparing Policies and Rates
There are many sites dedicated to helping users find cheap auto insurance, but not all of them are worth your time. You should make sure that the site is reputable and has the latest encryption technology, as you will probably be expected to enter personal information such as your zip code, current car insurance details, marital status, driving records, etc. The exact information you are expected to provide varies from site to site. Some auto insurance quote comparison sites may ask for things like credit history. To get more than basic quotes, you’ll need to provide more specific information.
Think about the level of coverage you need. Some people opt for the absolute cheapest coverage they can get to legally drive in their state. However, if the vehicle is still in very good condition and is not an old jalopy, you will probably need some form of comprehensive/collision coverage. Select a higher deductible to lower the premium. Some extras like towing and rental coverage are nice to have, but they may not be worth the costs.
7 major companies offer coverage for approximately 2/3 of the country (65%). However, this does not mean that YOU have to. There may be some regional/small insurance that offers better deals. The benefit of going through a smaller regional insurance company is that you can probably get superior, personalized customer service.
Find cheap auto insurance for discounts
When trying to find cheap car insurance, try to get discounts with it. You can even apply for discounts to find out if you qualify for something. For example, if you’re retired and don’t drive as much as when you got your current or previous policy, you may be eligible for a low mileage discount. There are also discounts for students who maintain good grades.
When comparing quotes, make sure you have a good understanding of your own driving habits, budget, and tolerance for financial risk. Is it worth it to save a little extra money each month if it prevents you from paying a fortune in a collision? What happens to medical bills if you are injured in an accident? What if someone else is injured and you find yourself facing a lawsuit?
In other words, you need to compare policies, not just quotes. Don’t automatically choose the policy with the lowest rate. Customer service is also crucial. A good site where you can find cheap auto insurance and get quality customer support is esurance. Discounts are also easy to find on this site. You can get information on everything from “5 Quick Discounts” and “Online Shoppers Deals.”