Whether you’re speaking directly with an agent or shopping online, there are simple things you can do to get the best car insurance quotes. Prepare your questions in advance and be specific about your needs to make the process simple and hassle free. Check out the following tips for getting the best deals on car insurance.
Determine What You Need
Your choice of coverage will play a significant role in the quote you eventually get for auto insurance. Do not pay for more coverage than you need but it’s also important that you have sufficient coverage to protect your financial status in the event of an accident. Research your options and understand what each policy covers. Gap coverage, comprehensive coverage, and car rental reimbursement may be viable depending on your circumstance.
Gather Your Information
To get the most accurate car insurance quote, you need to provide the insurance company with some information about yourself. They’ll need your driver’s license, a copy of your current policy, and some information about the vehicle. You’ll also need to provide information about your driving history, including recent accidents or claims. Be upfront about the location of the vehicle and the purpose for which the vehicle will be used. For instance, if you’re going to use your personal vehicle for business, the insurance company will need to know. They may charge for additional coverage in this instance.
In order to compare apples to apples, request quotes for your basic coverage requirements such as injury, death and property damage coverage. Use the basic quote to understand how one company compares to another and then you can augment the basic coverage with the extras that you need.
You’ll increase your chances of getting the best quote if you shop around at several agencies. Let the company know that you’re requesting quotes from several providers in order to find the best deal. Ask questions as the quotes come in. For instance, you can call up company B and ask them if they can match company A’s deal. Most likely they’ll be willing to price match in order to win your business.
Ask For Discounts
When you contact providers, ask them about the discounts you will qualify for. For instance, you might be eligible for multi-policy discounts, no claims discounts, senior driver discounts and many others. The only way to get these discounts applied to your final quote is to ask for them.
Become a Defensive Driver
Sign up for a defensive driving course and you’ll qualify for a 10-15 percent discount on your yearly premium. The course is inexpensive and may be completed in a few hours, so there’s no reason why you shouldn’t go for it. You’ll get the benefit of the discount plus you’ll be a safer driver on the road.
Keep it simple when you request car insurance quotes. The current state of our economy dictates that the bottom line wins over customer loyalty when it comes to car insurance. As long as you’re not compromising on coverage, you need to be loyal to your bank account.