Whenever you buy auto insurance, it’s important to find the right level of coverage at the right price. This guide will help you do that!
Coverage
Check state requirements to understand the minimum coverage. Then, check the value of your assets. Also, evaluate your driving habits. Combine these and ensure that the liability coverage you have covers all of the above.
Review
Check your current policy and note down how much coverage you currently have and how much premium you are paying for it. Note the annual and monthly costs of your insurance because you’ll get both types of quotes. And these are the numbers to beat.
Records
Check with the DMV to see how many tickets or points you have had recently. If any tickets or points are about to disappear, wait until that happens before you get quotes for your new insurance policy in order to get better rates.
Quotes
Head online and get a quote for your auto insurance. Build a list of comparative quotes. Some companies may call you and have a local agent connect with you before sharing quotes. Do this process, and you could save hundreds of dollars per year.
Company Info
Now compare annual and monthly rates for all coverages. Keep limits the same for easy comparison. Call the insurance company in case you have queries. Check the company’s payment policies as well.
Call
Now call the companies who didn’t send an online quote. Speak to them, provide the necessary details and get your quotes emailed to you.
Discounts
Also, remember to ask for any discounts that you may be eligible for. So check your driving record, car safety levels, security equipment, and other details. Check if the plans they offer can make your premiums lower.
Assessments
Now, head online and look up the insurance company’s track record for fairness, financial stability, and its customer service reviews. This will help you understand whether your company is likely to pay you or not.
Review
Now, check the policy document for any possible issues. Ensure that points are the same as the ones you agreed to during negotiations.
Cancel
Once that’s done, cancel your policy if it’s still in effect.
