Get a Car Insurance Quote with These Steps
Insuring a car can be a complicated process full of confusing terms and endless paperwork. To make sure you’re paying for the level of coverage you need at the best price, it’s important to know how to get a car insurance quote. Here’s how:
Step 1: Gather Your Information
When research comes to researching your car insurance options, the more you know, the better. Make sure you have the information you’ll need before you start getting quotes, including:
- Your Vehicle Information: Have the make, model and year of the car you’re looking to insure.
- Your Driving History: Have any information regarding accidents and moving violations you’ve received over the past three to five years.
- Any Additional Drivers: Have the names and birthdates of anyone else you plan to list on your insurance policy.
- Your Credit Score: You may need to provide information about your credit score.
Step 2: Compare Quotes
To get the best coverage for your budget, take the time to compare quotes from different insurers. Compare all of the terms and conditions carefully, since different policies can have vastly different levels of coverage. Pay attention to deducible costs, limits, any discounts and extra benefits.
Sites like Insurify and Kanetix can get you several quotes all at once, so you don’t have to search manually. Keep in mind that these sites can’t always display all of the best rates—sometimes an insurer may not offer its in-depth discounts through these sites.
Step 3: Read Reviews
Read reviews from other customers to research how each of your potential insurers treats its customers and how they handle different types of claims. This can be a great way to the sense of the customer service that each insurer provides.
Step 4: Narrow Down Your Choices
After researching your quotes, use your research to narrow down your choices to 2 or 3 options. Call each of these companies directly to get more detailed information. Ask any questions you may have, and don’t be afraid to negotiate for a better rate.
Step 5: Choose and Buy
Once you’ve narrowed down your options, make sure you are comfortable with the coverage level of your chosen policy, and that the insurer offers the customer service you’re looking for. Then, purchase your policy and start enjoying the peace of mind that comes with auto insurance.
Conclusion
Getting a car insurance quote can be a stressful task, but it doesn’t have to be. By taking the time to research your options and compare quotes, you can make sure you’re getting the coverage you need at the best possible rate.
