CALL US TODAY
(800) 807-6871
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

Read More
Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

Read More
Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

Read More

By Stephanie Ryder
May 16th, 2011

I feel like I am paying way, way too much for my car insurance. Claims for “lowest rates” seem to be everywhere. How do I find out for sure?

Preparation is key when comparing car insurance. In order to find the best auto insurance for your specific needs, you must be prepared when shopping for insurance.

Know the laws of your state

Find out how much insurance is mandated in your state. Locate your state’s department of insurance to find out the legal requirements for insurance.

Determine what type of coverage you need

Determine which type of insurance you would like to purchase. Depending on your state requirements, your banks requirements (if the car is financed), and your personal preferences, determine which types of auto insurance coverage you are going to buy.

Obtain a copy of your driving record

Get a copy of your driving record from the DMV. When applying for an auto insurance policy, you need to know exactly how many accidents and moving violations are on your record. Get the information ahead of time in case there are any errors on your record that you would like to dispute before applying for insurance.

See also: Your credit report can affect your insurance rates

Shop around

Contact four or five insurance companies that provide auto insurance quotes. The quotes should be free. Do not deal with a company that charges you for quotes. Ask for quotes for several different deductibles and limits.

In order to determine which type of insurance is best for you, get several different quotes and weigh the advantages and disadvantages of each. Read the fine print to determine if there are any restrictions that may require additional premiums or fees.

Ask about discounts

Many companies offer "good driver" discounts if you have gone a number of years without a ticket. They may also provide additional discounts if you drive less than a specified number of miles per year, store your car in secure garage, or your care features airbags, anti-lock brakes or an alarm.
Read more tips http://www.e-wisdom.com/news/insurance/auto-insurance/be-prepared-when-shopping-around-for-auto-insurance-110230008/

As an independent agency we will do all of the above to find you the most affordable policy with the best coverage.  This is what makes us different from the big insurance companies - -who offer only their insurance.  Why not let us shop the many insurance markets for you?  Contact us at (800) 807-6871 or fill out our auto quote form today!

Posted 10:18 AM  View Comments

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Facebook
RSS
Pinterest
Google+
© Copyright. All rights reserved.
Powered by Insurance Website Builder