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Every state requires that all drivers have at least a minimum amount of insurance coverage. In addition, if you take out a car loan to purchase a vehicle, the bank will require you to have even more insurance.
When to Shop for Insurance
When you buy a car or get a driver’s license is not the only time to shop for car insurance. Experts suggest reviewing your car insurance at least once a year. This will help you make sure you keep all your information current. You can take this opportunity to look for new discounts you may now be eligible for. Since car insurance rates fluctuate all the time, it’s also a great way to make sure you are always getting the best deal on car insurance to fit your budget.
Your yearly insurance review is also a good time to assess whether your coverage needs have changed.
If you have an older car that is paid off, for example, it might be a good idea to only carry liability insurance on that car or maybe you have an adult child you no longer need to cover on your policy.
Compare Car Insurance
If you already own car insurance, chances are very good that your company has a website. If you want to see what options you have, go to your company’s website, create a login name and password, and get on the site. Once you’re on, you’ll be able to see how your premium will change if you raise or lower your deductible, add a car or another driver, or look for deductions you might be eligible for.
If you haven’t compared your insurance rates in a while, you can also search for the names of other car insurance companies. You can usually get a quote on their websites without creating a login name and password. The beauty of being online is that it takes just minutes to get a quote.
With so many insurance companies these days, it’s impossible to remember them all. This is where your search engine really comes in handy. If you live in Texas, just type in “car insurance in Texas” into the search box and dozens of websites will come up. Of course, type in whatever state you live in for the most accurate results.
You might think this will take a lot of time! You’re right, if you do it this way, you could spend a lot of time looking. Of course, if a few minutes worth of looking on the Internet could save you a lot of money on your auto insurance, it would be worth it, right?
Fortunately, there’s a much easier way. This website makes it easy to enter your information once, and get fast quotes from several different companies. Not only does this save you a lot of time scouring the Internet for the best rates, but it will save you a lot of money on your car insurance too.
Information to Have on Hand
To make shopping for car insurance even easier, it’s best to have some information handy when you sit down to the computer. First, have all the names and driver’s license numbers of all drivers who will be on the policy. Second, have the VIN (vehicle identification number) of all the cars that will be on the policy as well as all the safety features they have. If you already have car insurance, your present policy should have most of this information on it.
Make sure you know your state minimum insurance requirements. You can find this information on your state’s department of motor vehicles or equivalent department. For example, California residents should visit Dmv.CA.gov.
Requirements vary by state, so be sure you know what you need.
However, the state minimum requirements are usually not enough protection for most drivers. Experts suggest having at least 100/300 insurance, which means you’ll have up to $100,000 in bodily protection coverage per person and $300,000 per accident. For more information about what to look for in car insurance, the Insurance Information Institute has a great article that will help you make sure you’re full covered.
Remember, make purchasing car insurance easy by typing in your ZIP code into our box for fast, FREE quotes!