Car Insurance Deals

Online car insurance quotes are a great way to save you time and money. Here are a few tips to help you get insurance savings and value from the convenience of your computer. 

1. Prepare with a little information. Most online quote forms will ask you about the make and model of each vehicle, desired coverage limits for liability, comprehensive and collision, annual mileage and drivers license numbers for each driver. Already have car insurance? Check the policy’s declaration page because this information should be there. You can then adjust limits of coverage to the amounts you desire.

2. Obtain multiple auto insurance comparisons quotes. Because car insurance rates can vary considerably from one company to the next, shopping around could save you hundreds as opposed to taking the first quote you get. To get an accurate comparison, you should try to get three or more quotes from different companies.

3. Find companies to get quotes or visit a comparison site. Each company that you want a quote from will usually let you request it online at their Web site. One way to find out what companies do business in your area is to visit your state’s insurance department site. An easier way is to use a young driver insurance Web site because you only need to fill out one form to get several competing quotes in return, without having to visit several different sites.

4. Keep a record of your quotes to help you compare. Written notes on a sheet of paper can help you determine which quote you liked the best. Write down the amount of each quote (including the limits and mileage information used), discounts, response time or helpfulness of agents and anything else that may help your decision.

5. Check out the financial stability of the insurance company. Once you’ve identified the lowest quote, you can check various rating Web sites, such as Weiss, Standard & Poor’s and A.M. Best to see that the company will be financially stable. You can call your state’s insurance department or visit their Web site to see if the company has any complaints.

Last, but not least, be sure you get the discounts you are eligible for. For example, most companies will offer discounts for anti-theft devices, low annual mileage, good grades (important for young driver insurance) and having more than one policy with them.