How To Buy Car Insurance

When buying car insurance you want to make sure you are covered in case you are in an accident, but at the same time you don't want to pay any more than you have to. Essentially, you want to get the best coverage and the lowest possible price. This guide will help you do just that.

The first thing to do to prepare yourself to buy car insurance is to start with the mind set that there is a cheaper rate out there. You can save yourself hundreds, or even thousands per year if you continue to think this way through the buying process. In a recent quote comparison conducted by Ally Car Insurance, one older vehicle had quotes ranging from $991 to $1893 annually. A potential cost savings of $902 a year. If you've had a car accident or a speeding ticket or two, it's probably time to shop around.

After preparing yourself to look for the lowest car insurance rate possible, you need to determine how much coverage you need. Take a minute to find out how much coverage is required in your area. After you figure out how much insurance is required by law in your area, decide if you need any coverage in addition to the minimum.  Think carefully about how much additional coverage you need. If you are too cautious, you could end up spending money on a plan that you simply don't need. On the other hand, the minimum amounts required by law aren't always enough for everyone.

Car insurance experts recommend that anyone with larger amounts of assets, buy extra coverage on top of state minimums. If you are in an accident that is your fault, you can be sued for medical bills that exceed $50,000.

General recommendations for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability (that is, 50/100/25) considering half of the cars on the road are worth more than $20,000.  Still, you need to let your own personal financial situation guide you to the proper amount of coverage.

Next, you should check your driving record and the amount of coverage you currently have.  If you have tickets that are set to clear your record soon, then it's best to wait until those tickets clear before shopping for new car insurance.  IF you have a good number of tickets, accidents, and the like, then additional comprehensive coverage is for you.

Now that you have the right mind set and you know how much car insurance you need, it's time to go shopping! Begin by using our free car insurance quote calculator. The forms will take only a few minutes to complete.  While you are filling out the form, remind yourself of how much money you are going to save.

Once you have tried our free quote calculator, it's time to work the phones. Those companies you haven't been able to get an online quote from should be contacted. At times, doing this process verbally can actually go faster than the online counterpart, providing you have all the information regarding your driver license and vehicle registration close at hand. When you get a quote, be sure to confirm the price. Also, ask them to fax or e-mail the quote to you as a record.

Now that you've gather several quotes, it's time to choose the right car insurance company for you:

  1. Visit your state's department of insurance and check consumer complaint ratios and basic rate comparison surveys.
  2. Get in touch with local body shops or dealerships you trust and ask which insurance companies they recommend.
  3. Consider contacting an insurance agent for additional information about a particular company.
  4. Check out the financial strength ratings for an insurance company by referring to the A.M. Best and Standard & Poor's ratings.
  5. Look over J.D. Power and Associates' consumer satisfaction surveys reviewing auto insurance companies.

After you've decided on your new insurance provider and have begun coverage through them, it's time to cancel your old policy. Be sure to put proof of insurance in your vehicle. Lastly, decide what to do with all the money you've saved!

Tips To Help You Buy Car Insurance On The Internet

Commercials make it seem so easy to get car insurance on the internet. All you have to do is point, click, and pay. There are a few steps in between, but a few minutes of advance preparation and you will find it really is almost that easy. Make sure you are getting online quotes the easy way by following some simple tips.

  • Get your paperwork together before you begin shopping. When you have your information together it is much easier to enter it into multiple sites quickly. You get the best price faster.
  • Don't get distracted. Have an hour or two set aside and pay attention to every quote. The last three companies may have had the same questions for quotes - that does not mean the next company will. Stay alert.
  • Reduce the noise level. If you have kids or pets in the home that make noise, find a way to tune it out while you are getting your quotes online. If your kids are younger, schedule a play date and get your online quotes while they are at a friend's house.
  • Know your priorities. Know what you find most important on your auto insurance policy. If a company has great rates and wonderful customer service but does not offer roadside assistance - ask yourself if you really need it. You may already have roadside assistance through your cellular phone or through a company like AAA. Don't pass on a great policy with a great rate because of something small.

Get started with your FREE online quote now. It could save you hundreds of dollars.

2 Myths About Buying Car Insurance Online

Two of the most asked questions about buying car insurance online were: "How do I know my rate is accurate?" and, "I have a situation I need to explain." This articles dispels the myths associated with each of those questions.

How do I know my rate is accurate?

Before car insurance companies set up Web sites for you to put your information directly into, your rate was still calculated via computer. Your agent had access to the computer, or faxed over your information and the underwriting department calculated the rate. Insurance companies take the same algorithm they have always used for risk measurement and allow customers to get a rate without involving an agent. Agents have always been able to access these algorithms, but it saves the insurance company money to let the customer do it directly. You save money in many cases because the insurance company does not have to pay an agent's commission when you purchase online.

I have a situation I need to explain

Many drivers have special situations. When you go through the questionnaire online and answer the questions, pay close attention and see if one of those questions deals with your special situation. If you do not see anything pertaining to your situation and are still worried, call customer service and ask. Customer service representatives at car insurance companies are well-versed in special situations and can walk you through what to do next.

Get started with your FREE online quote now. It could save you hundreds of dollars.

7 Ways to Lower Car Insurance Premiums

Here are tips from the Insurance Information Institute on lowering your auto insurance premiums:


  • Raise your deductible. Going from $200 to $500 could trim collision and comprehensive coverage premiums by up to 30 percent; raising the deductible to $1,000 could slash premiums by 40 percent or more.
  • Drop collision or comprehensive coverage on old cars
  • Get a discount by buying two or more kinds of insurance, say, homeowners and auto, from the same insurance company.
  • Driving less? You could get a discount if you travel fewer miles than average.
  • Compare the cost of coverage before buying a car. Premiums are tied to price, repair costs, safety record and chances of it being stolen.
  • Insurers give safe-driver discounts if, say, you had no moving violation or accident in three years, you're age 50 to 55 or your child is a college student not living at home.
  • And last but certainly not least, check around! When is the last time you got a updated quote? We offer a no-obligation free quote so why not use it?