Auto insurance quotes can be confusing and overwhelming, especially if you’re starting from scratch and have never bought insurance before.
To find cheap auto insurance quotes, you need to do your research first. That way, you’ll know the different types of car insurance policies available to you and what they entail before you even begin shopping around. Then, once you have an idea of what you’re looking for, it’s time to check out all of the potential companies offering cheap auto insurance quotes in your area to see which one will offer the best deal.
Here are some tips to help you find the best auto insurance quote from an experienced agent so that you can start driving your car as soon as possible without breaking the bank on insurance payments every month.
How to Find the Cheapest Auto Insurance Quotes
Know what you need: Before you can find cheap car insurance quotes, you have to know what kind of coverage you need. Generally speaking, there are two types of coverage: liability and collision/comprehensive. Liability refers to financial responsibility for damage or injury that comes about because of your driving—or driven by any member of your household. Collision/comprehensive covers your vehicle if it’s damaged or stolen, but not if it’s damaged due to an accident or theft by another driver.
Set a Budget: Setting a budget is crucial when it comes to finding cheap auto insurance quotes. If you don’t have a firm idea of how much money you’re willing to spend on car insurance, you’ll be tempted by low-cost quotes that may not actually fit your needs. The best way to set a budget is by looking at your income and expenses—what you bring in and what you pay out.
Gather all possible quotes: Gather quotes from at least three different auto insurance companies—the more companies you get quotes from, the better comparison you’ll be able to make. You can gather all your quotes online or by calling each company directly. (If you call, ask if they offer an online quoting tool; most do.) Either way, make sure you gather quotes for both liability and collision coverage. Finally, ask about any discounts that might apply to you. (Geico lists some of these on its website.) And of course compare apples-to-apples: Getting auto insurance quotes that aren’t based on how much coverage or miles/year you need is like comparing car prices without looking at mileage or options packages first.
Compare each quote: When you begin your search for auto insurance quotes, it’s important to compare each quote and get a general sense of pricing from different companies. If you have a good idea of what you need—and how much it will cost—you can use that information when finding auto insurance quotes online, over the phone or through an agent. Start shopping around and get at least three or four quotes from reputable carriers before making a final decision.
In most states, it is illegal to drive without insurance. The price of insurance varies from company to company and from state to state, but there are certain factors that can lower your costs—and finding them is easy once you know what they are.