Step-by-Step Guide for Buying Car Insurance
This step-by-step guide will help you determine how much insurance you need. We'll also tell you how to get quality coverage at the lowest price possible.
- Getting started. As you shop for an auto insurance quote fast, always keep in mind that there is a lot of money to be saved by shopping around. Similar policies for the same vehicle can differ in price up to hundreds of dollars, and that's money you could be saving toward something you really want to buy.
- Determine the amount of coverage you need. Before you can begin searching for an auto insurance quote fast, you'll need to have an accurate estimate of how much coverage you need. A good place to start is to figure out how much coverage you need to carry to drive legally in your state. After you know what is required by law, you should look at your financial situation to determine how much coverage you need on top of that. If you carry only $50,000 in liability coverage, for example, but have assets worth $100,000, you could stand to lose $50,000 in assets if the other driver's medical expenses exceed the amount of your coverage.
- Look at your driving record and current insurance coverage. You will need to look into three things before you get an auto insurance quote fast: your driving record, your current auto insurance policy, and how much you're paying in premiums. You will need to report how many moving violations you've had in the past three years in order to get an accurate quote, so make note of any such violations on your driving record. Also look at the amount of coverage you have on your current policy and how much you are paying annually for the policy. This will help you compare your quotes with your current policy, as most quotes reflect annual premiums.
- Get quotes and compare. Now you're ready to get an auto insurance quote fast. Try to get at least two or three quotes from different insurers. Compare the quotes on coverage levels and premiums and also consider the reputation and performance of the insurer.
- Dig up discounts. Ideally, after you get an auto insurance quote fast, you'll want to talk to an agent from your prospective insurance company. Be sure to ask the various agents about discounts for which you might qualify, as they could have a big impact on your premiums.
- Choose the best insurance company. You want a financially stable, quality insurer with excellent customer service and the lowest premiums possible. Make sure you've checked up on the insurer through your state's department of insurance before committing.
- Cancel your old policy. Arrange to have your current policy canceled as soon as your new coverage kicks in. Also be sure that you have proof of insurance for your new policy with you at all times.
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