Car insurance coverage is something everyone needs, but no one likes to purchase. With the myriad of options available, coupled with the rising cost of auto insurance, finding a car insurance quote that suits your needs and your budget can be an extremely daunting task. For many, scouring the Internet for affordable car insurance options can be an extremely time-consuming activity, time that would be happily spent engaged in other endeavors. Here are a few ways to save time and get a quick car insurance.
First, know what you’re looking for. Do a little bit of research on what your state requires for bodily injury (BI) and personal injury protection (PIP) coverage, as well as if you are obligated to purchase underinsured and uninsured motorist coverage. While BI and PIP are required almost everywhere, the amounts required vary significantly by state. As well, determine if you are going to need collision coverage on your vehicle or not. Older vehicles may not benefit from this type of coverage, and it can be a significant money sink. As well, consider what you want your deductible to look like on your car insurance policy. Most deductibles start at $500 and can be moved from there. A higher deductible can lower monthly payments, but is more costly after an accident.
Second, have all of the details about your car ready when you start looking for auto insurance. Providers – whether they are contacted by telephone or an Internet quote is obtained – are going to want to know the car’s year, make and model, as well as some basic information about the driver and how the car will be used. It is better to be prepared before you start looking so that you can be as efficient as possible. Third, try to compare car insurance policy quotes on the same basis. There are many websites that offer quote-by-quote comparisons, and they can be very useful. Be wary, however, as many of these websites are run by car insurance companies themselves, and may therefore exhibit a bias toward their own or their partner’s insurance quotes. When looking at quotes, make sure that everything offered matches up. A quote with a significantly lower premium is no good if it also comes with almost no practical coverage. If in doubt, contact the company offering the quote to confirm exactly what is being offered.
The essentials for finding good auto insurance quotes as quickly as possible, are to know what you’re looking for, be prepared, and be sure of what you’re comparing. If you take the time to do a little bit of research beforehand and come prepared when searching, you can cut the time spent looking for a good quote down to the bare minimum.