When it comes to auto insurance, you want to be adequately covered if you get in an accident, but you don’t want to pay any more than you have to. Navigating your way through this murky subject is tricky, so here on some tips to follow:
Continuing from the last post on July 19th:
Step 3 – Review your driving record and current insurance policy: First, verify your driving record with the state DMV. If your record will soon improve and the points you earned will finally disappear, wait until that happens before you get quotes. Nothing drives up the price of insurance like a bad driving record.
Next, should contact your auto insurance company or pull out a recent bill. Jot down the amount of coverage you have and what you are paying for it, noting both the yearly and monthly costs since many of your quotes will be given both ways. Then you’ll know what you need to beat.
Step 4 – Solicit Competitive Quotes: It’s time to start shopping. Try to set aside at least an hour for this task. Bring all your records—your current insurance policy, your driver license number and your vehicle registration. Have a phone at your elbow and power up your computer.
Begin with the on-line services. If you go to InsWeb.com or other online insurance quote sites, you can type in your information and get a list of comparative quotes. You can also try getting quotes from the insurance companies’ web sites.
A few things to keep in mind: 1) when you use quote sites, you may not get instant quotes. Some companies may contact you later by email and some companies that use agents may put you in touch with a local agent, who will then calculate a quote for you. 2) Its not easy to get quotes from these sites in all states.
Adapted from an article by Philip Reed, Senior Consumer Advice Editor of CarInsurance.com
Next Blog- Steps 5 and 6 of Ten Steps to Buying Auto Insurance.
Law Offices of Buckland & Schumm, P.S. We offer free consultations and have over 27 years experience EXCLUSIVELY in personal injury law, with a long history of success helping accident victims understand their legal rights.