Finding the best deal on auto insurance

By Compuquotes Team on April 15th, 2008

Auto Insurance

Auto insurance can be expensive, but with the legal ramifications and repair costs that could be associated with not having it the alternative can be much more costly. This doesn't mean that you should just go out and take whatever offer you get for your insurance, of course; taking the time to shop around and find the best deal on your auto insurance can save you a lot of money and help you to get a better policy overall. In order to help you with your search, here are some basic considerations to keep in mind when shopping around for a new auto insurance provider.

  • Know the coverage that you need

The first thing that you should do when trying to locate the best deal on auto insurance is to know exactly what coverage you're going to need. Find out the minimum amount of coverage required by law in your state if you don't know it already, and decide whether you want to just have the minimum coverage of it you want extra. Decide the coverage range that you're willing to consider, as some auto insurance companies may offer specials on certain coverage packages that you might not want to pass up.

  • Collecting quotes

After you've decided how much auto insurance coverage you're looking for, it's time to start shopping around for quotes. Take the time to visit local auto insurance companies so that you can talk to agents face-to-face and try to get the best deals that they can offer on policies. You should also take the time to search online and collect several quotes there as well, in case you can find better deals or online specials that you wouldn't be able to get from dealing with an insurance agent directly. You're going to want to collect as many quotes as you can, since you'll use these quotes to choose the auto insurance provider that's right for you.

  • Be aware of special programs

One thing that you should keep in mind is that some auto insurance providers may offer you a great rate as an introductory special. This means that the rate could increase after a certain number of months or there will be other stipulations to the deal that will make it not so great in the long run. Make sure that you know whether the quotes that you receive are affected by any special rates or introductory prices, and be sure to find out what the rate will revert to if this is actually the case.

  • Choosing your insurance company

When you've collected all of your auto insurance quotes, it's time to start comparing them so that you can find the best deal from among them. Look at the amount of the premium that you'll have to pay, how often you're going to have to make payments, and the amount and types of coverage that your policy will offer. Ideally you're going to want to find the auto insurance policy that offers the most coverage for the least amount, but make sure that you aren't going to have to pay for perks that you don't want and that aren't required by law. After careful consideration, it should become obvious which policies have the best deals so that you can choose the auto insurance company that's right for your needs.

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