Before You Begin Your Investigation
Before you begin comparing quotes, assess your insurance requirements. Finding out what your state’s minimal financial responsibility requirements are is an excellent place to start.
Selecting coverage amounts above the state minimums can offer you additional protection, and your insurance representative can assist you in obtaining the best policy for your needs.
How much extra liability coverage should you include? Do you also want collision and comprehensive coverage? (If you’re leasing or financing your vehicle, this may be required.) You should also consider optional coverages such as rental car coverage, roadside assistance, and other services.
Consider your budget as well. How much of a deductible can you afford?
Obtaining Auto Insurance Quotes
Gather your current insurance policy papers (for comparative purposes), as well as any personal details that insurers may require. You’ll probably need information on • The type of automobile insurance coverage you’re looking for.
• The mileage, vehicle identifying number (VIN), make, model, year, and security features of your vehicle.
• The number on your driver’s license (and that of any other drivers in your household).
• Information on any accidents or moving violations you or other household members have had in the last few years. Up to five years of accident and infraction history may be required.
Remember that insurance can be complicated, so speaking with an independent agent or visiting an insurer’s website directly will help you locate the coverage package that works best for you.
Compare Cost and Level of Coverage
When comparing quotes, make sure you take into account the information that is relevant to your specific requirements. Each quote should have the same deductible, limits, and coverages, and you should compare them all side by side.
One method is to go over your auto insurance declarations page and use it as a reference when comparing quotes. The declarations page often contains important information such as the insured’s name, address, the policy period, policy limits, coverages, and more.
