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How to get affordable car insurance

 


 Once you`ve done your research, the next step is finding the right car insurance policy for you. Here are a few steps to follow while shopping for car insurance, plus tips to ensure you find enough auto coverage for the best possible rate. 

 Gather Your Information 

 While you`re shopping for auto coverage, it`s best to have all your information ready to go, whether you`re getting a quote online or through an insurance agent. Generally, here`s the basic information you need to buy a car insurance policy: 

  •  Names and dates of birth of all drivers on the policy 
  •  Address where you plan to keep the car 
  •  Driver`s license numbers of all drivers on the policy 
  •  Driving records of all drivers on the policy 
  •  Vehicle Identification Numbers (VIN) of all vehicles on the policy 
  •  Proof of prior car insurance for all drivers on the policy 
  •  Figure Out the Minimum Auto Coverage You Need 

 Nearly every state has minimum requirements that you have to meet for auto coverage. In many states, this may only be liability coverage. But in some states, you may be required to carry liability and some other coverages like personal injury protection (PIP) or Uninsured/underinsured motorist coverage. 

 Decide if You Want Extra Coverage 

 If you own a car, your state legally requires you to carry a certain amount of auto coverage. Once you`re past that minimum amount, it`s you to decide how much extra coverage you want or need. If you have an auto loan, most of the time, your insurance company will require you to carry full coverage (liability, comprehensive, and collision insurance). 

 The amount of auto coverage that you feel comfortable with depends on a number of factors, including what you drive, where you live, and how much you drive. Several experts we spoke to recommend getting enough coverage that you can reasonably afford. It`s never a good idea to forsake coverage for a lower premium if it means you`ll put yourself financially at risk when an accident happens, says Schmitt. 

 Compare Quotes 

 Once you have a good idea of what type of car insurance coverage you need, start comparing car insurance quotes among insurers. You can get car insurance quotes a few different ways — either through a “captive” insurance agent who works for one company, an independent agent representing multiple insurance firms, a car insurer`s website, or by using an online comparison tool. Whichever route you take, comparison shopping is the best way to find out if your current insurer is offering the cheapest rate for you. 

 If you`re not getting the best rate for the amount of coverage you need, it`s time to switch. “The quoting process has become infinitely easier over the past five to 10 years,” says Schmitt. “Today, you can go online and get quotes from four or five car insurance companies in about 10 minutes.”

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