*Most states require some type of liability coverage 3. This will give you a true idea of what the costs will be in the event of an accident. If possible, print out every quote and compare the coverage line-by-line. After you get quotes from each of the companies you speak to, ask them to send your quotes to you via email. Though a lower premium is nice, you often get what you pay for. Remember if you're financing or leasing, you will likely need comprehensive and collision coverage in addition to the state minimum liability coverage. You'll want to find a plan that covers all of your state's minimum coverage requirements, plus any requirements that are important to you. Some plans cover damage from uninsured motorists, and others don't. the price you'll pay if you file a claim, along with coverage areas. But you'll also want to take into account the deductible, i.e. Obviously, you'll want to find a plan that fits your budget - so premium payment is likely the first thing you'll consider. You'll also need to put in your age and gender, since some states consider these factors. You'll need your vehicle's VIN number, the year, make, and model of your car. This will include your daily commute (in miles), your zip code, where the car is stored (in a garage or on the street), and the number of accidents you've had in recent years. You can use an online insurance comparison tool - like PolicyGenius - to help comparison shop. This will help you build a list of questions you should be asking all of your potential insurers. Also, one company might be more forthcoming than another when it comes to a particular feature of their policy. For starters, it prevents you from assuming that one company in particular is the cheapest. You'd be surprised how many regional insurers have better customer satisfaction than national carriers.Ĭomparison shopping is the best practice for a few reasons. Be sure to check both national and local companies, too. The best way to make sure you haven't overlooked any red flags or essential questions is to comparison-shop policies by getting quotes from at least three different auto insurance companies. Compare at least three different policies Protects you when an at-fault driver hits you with not enough coverageĢ. Protects you when an at-fault driver hits you with no insurance Injury you cause to others, includes medical expenses, lost wages, and funeral expensesĭamage you cause to others' vehicle or property
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