Find Affordable Car Insurance Quote
From LoveToKnow Insurance
With so many insurance companies to choose from, it can be difficult to find an affordable car insurance quote. Fortunately, there are websites available that will help you find the best rate; even some of the insurance companies themselves are getting into the comparison shopping business. Read on to find out how to get a good price on your auto insurance.
Find Affordable Car Insurance Quote
Two websites which offer comparison auto insurance shopping are:
They both work nearly the same, as you enter your information into each screen to advance to your quote. Before you start answering questions to receive your quote, you should be prepared with the following information. Having all of this data before you start will save time.
Information You Need For a Quote
- Home zip code (Or the zip code where you park your car at night)
- Your primary residence type (home, condo, apartment)
- How long you have lived at your current residence
- Your current insurance policy company, number and expiration date (if you currently have insurance)
- The amount of time you’ve had insurance without a lapse in coverage
- Your current bodily injury liability limits
- Drivers license number
- How long you’ve been a licensed driver
- Date of Birth
- Marital Status
- Details of past incidents (car accidents, speeding tickets, etc.)
- Vehicle Identification Number (VIN)
There is a lot of information you have to provide, but all of information is used to determine how much your premium will cost.
Choosing Your Coverage
The next step is to enter all of your car coverage choices. There are many choices to make, so here is a brief description of each to help you decide what you want to purchase.
Bodily Injury
This is also known as bodily injury liability insurance. It’s the amount the insurance company will pay to cover someone’s injuries if you are at fault for the accident. This will also include paying the other person’s attorney if they get one. Medical bills can get very high, so don’t go too low on this coverage.
Property Damage
This is the other liability coverage. It’s how much the insurance company will pay to fix or replace someone’s car if you are at fault. In general, $25,000 is enough for most accidents, but if you total a luxury or sports car, the cost to replace will be much more than $25,000.
Uninsured Motorists
If you are hit by someone who doesn’t have insurance, chances are you’ll never be able to get enough money from them to cover the expenses needed to fix your car. But if you have uninsured motorists coverage, then your company will pay up to the limits on your policy. This is good coverage to have, but laws vary by state regarding when you are eligible for use the coverage. California, for example, requires that you know the identity of the driver or car that hit you. You’re out of luck if the person hits and run.
Medical Payments
If you are injured in an accident, regardless of whether you are at fault, you can tap into this coverage to pay for doctor visits, ambulance rides, and physical therapy visits, among other things. This coverage is usually not too expensive, so get enough to cover your likely expenses.
Collision
This coverage is for fixing your car if you run into something. Instead of choosing an amount of coverage, you choose how much your deductible will be. If you have an accident, you’ll pay the deductible and your company will pay the rest.
Comprehensive
This coverage is for when your car is stationary and something happens to it, such as vandals breaking in. It also covers hail damage.
Towing
This coverage will pay to have your car towed from the scene of the accident to a body shop. It’s inexpensive coverage, so be sure to buy it.
Rental Car
If your car is in the body shop for a week or two, the cost of driving around a rental during that time will be quite high. Get rental coverage to save yourself this expense. Determine what kind of rental car you’d like to drive and then choose coverage that will come closest to paying the cost.
Advantages of Comparison Websites
You may have seen ads from Progressive insurance that show how they will give you the quotes from other companies. While this is true, what they don’t tell you is that to buy from another company, you’ll have to go to their website and fill out all of this information all over again. By going to a comparison website first, you will only need to enter your information once.
Obtaining a quote that meets your budget needs may take some time, but can pay off in the extra savings you receive.
This page has been accessed 166 times. This page was last modified 06:52, 2 July 2007.
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