Looking for an Online Car Insurance Quote?
We will give you the information to make an informed choice.
Before you begin to buy or call insurance companies or get an online quote, you should continue reading
this online guide. First you must decide if you want full coverage for your vehicle or just liability.
Liability insurance is the minimum insurance needed by state law.
Full coverage is mandatory to buy if you are financing your vehicle. This is where you borrow money from
the bank to purchase the car. The insurance company wants to make sure that if anything were to happen to
the automobile before you fully paid for it that they will be able to recover the money they loaned you.
Full coverage comes in various packages. The minimum full coverage insurance for a car will cost less than when
you begin to add additional option to the policy, such as, glass coverage, towing, vandalism, no-fault accident
and most importantly the deductible. The deductible is the money you will pay if some thing happens to the car.
Deductibles come in $0, $50, $100, $500, and $1,000. The lower the deductible, the lower your full coverage will cost.
Insurance quotes are also based on your driving experience and if you have multiple vehicles. The longer you had you
drivers license the more likely you will get a discounted rate. Rates are higher for students of all ages. So to avoid
this, when the agent asks you what your profession is, do not say you are a student. Also, the rate is high for anyone
under 25 and single.
Car insurance companies typically offer various discounts to customers so you need to make sure that you ask the agents
what discounts you would qualify for. A simple online search will give you a list of discounts.
Most importantly, you need to price shop by calling a few insurance companies. Insurance quotes are always negotiable. When
given a quote by an insurance company, wait about 10-15 minutes and then call the same company again and hopefully you will
get another agent and you could get a reduction that the previous agent did not give you. You will just need to repeat yourself
a lot but if you want a great quote then you have to play the game. When I purchased full coverage for my car, I called the same
insurance company 9 times and each time I got a discount that the previous agent did not give me. I called during the day and at
night. I got a better deal dealing with the agents at night.
Liability car insurance is pretty straight forward. If anything happens to the car, you are not covered. Liability only covers for
accident and injury suffered as a result of an accident. A liability rate is based on the deductible and the pay-out if an accident occurs.
You must always shop around. It takes time but you will save lots of money by doing so. Also, don’t fall into the trap of buying
insurance from the dealer or the agent working with the dealers. These agents will not give you options. They will scare you in
buying options that you don’t need but would have to pay more. Agent works on commissions