So you need to buy car insurance. Your old insurance is about to expire and you just dread the thought of complicated insurance quotes you have to go through. Well, you're certainly right that going through multiple auto insurance quotes can be painful. The thing is though, it doesn't have to be painful. It only has to be that if you don't really go in prepared. What you need is a list of points by which to compare the multiple auto insurance quotes you receive.
Buying auto insurance is nothing like buying, say, a phone plan, a television or a car. They don't offer the same price to everyone, regardless. If your friend got a great quote from State Farm last week, there's no reason to believe that you'll get the same kind of quote because "they seem to be a reasonable company". It depends entirely on the kind of credit score he has, the kind of driving record he has and a number of other things. So now that we have that out of the way, let's get in and create our checklist of things to compare multiple auto insurance quotes by.
The first thing you want to look at when you get a new insurance quote for your car is this does the company have something special for every member of your family does it only have something for you? This isn't anything surprising. Most companies specialize in one or two kinds of coverage. If they have really good rates for teen drivers, they may have expensive ones for everyone else, for instance. Basically, you want to look to see if they offer something for every person in your family.
But the most important thing to look for in an insurance quote is the kind of choice you have in deductibles. Any provider who will lower your insurance rate considerably if you will accept a high deductible is good news. Any time there is an accident, if you agree to pay for all the medium-sized and small size accidents and only bother the insurer for the big ones, they'll certainly thank you for it by lowering your rate.
You will also want to look at what kind of discounts they are willing to throw your way to sweeten the deal. Each discount they give you can usually knock 10% off the price. You need take a look at what kind of discounts they offer one for being a safe driver, one for being a good student with a good GPA, one for accepting a driver refresher course, one for having your own home, one for having a car that has safety features you get the picture.
Basically, multiple auto insurance quotes can be great because if you went out to an agent to talk about this, you would probably spend days going through all of this.
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