Most finance experts recommend that automobile owners review their auto insurance at least once a year to make sure that it still suits their needs and to update their coverage if necessary. The logical time for that annual review is renewal time. Renewal time is also the logical time to shop around and compare auto insurance quotes to make sure that you're getting the best deal on your car insurance premiums.
The problem is, of course, that the insurance companies don't make it easy to do side-by-side comparisons in any logical manner. There's no price tag on a shelf with the unit price listed so you can decide which auto insurance policy is offering you the most value for your money. If you're going to compare auto insurance quotes, you'll have to come up with your own "unit price" by which to measure the value of the insurance policies you're comparing. There are several different measures you can take to be sure you're comparing equivalent auto insurance quotes.
Get a Quote for Compulsory Insurance
Every state has minimum requirements for coverage if you're going to be driving on the public roads. If you're driving an older vehicle and have paid for it in full, compulsory insurance may be all you need. Every insurance company offers compulsory insurance - just the basics with no added frills. Comparing quotes for compulsory insurance can give you a good feel for the baseline price for each insurance company.
Use an Online Comparison Tool
Some websites allow you to submit a request for auto insurance quotes from several insurance companies at once. Look for a tool that lets you submit the same information to all of the insurance companies you choose. Because your car insurance premium is based on the information you submit to the insurance company, it's important to make sure that each company is working with the same information when you compare auto insurance quotes.
Compare Detailed Quotes
Don't make a decision based on an initial quote comparison. It's important to compare complete, detailed quotes so you're certain that you're comparing polices with the same coverage and the same features. If you compare auto insurance quotes on many "instant insurance quotes" web sites, you'll generally only get a preliminary quote. If the only information required to submit your request for quotes is your zip code, you'll only get a very general idea of the cost of your auto insurance. Wait until you have full quotes before choosing an insurance policy.
Have All of Your Information Ready When You Request Quotes
Providing complete information to the insurance companies will get you the most accurate quotes. Before you start filling out requests for quotes, gather your license, registration and other information that might be needed to get a full, detailed quote from the insurance company.
Apply Available Discounts to the Quotes You Receive
Before making a final decision, make sure that the quotes include every available discount. You may, for example, get a discount if your buy your insurance policy online or if you already have a different kind of insurance through the same company.
When you compare car insurance quotes, it will be easy to see which auto insurance company offers the best deal for your insurance needs. Take the time to make sure that you're comparing similar policies and follow up on each insurance quote to see if there are any discounts you may be missing, then choose policy that gives you the best coverage for the best price.
Author Resource:
Chris Robertson is an author of Majon International, one of the world's MOST popular internet marketing companies on the web.
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