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Step 1
Understand your auto insurance needs. Unless you know what you need in terms of coverage for your vehicle, you won’t know when you get a good deal. Every insurance quote is different, depending on the company issuing it. Decide if you need full coverage, liability, medical payments, uninsured and underinsured, and towing and labor insurance coverage. Determine in advance how much of that coverage you need.
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Step 2
Research current rates of auto insurance policies in your area through your state’s insurance commission. Find out how you can lower your rate. Educate yourself on what the various auto insurance terms mean and how they apply to you. See resources below for additional information.
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Step 3
Get auto insurance quotes from many companies. Most people buy insurance policies from the first company that issues them quotes or only from companies they know. You may be paying too much. Log on to the Internet and use auto insurance aggregators to get quotes from many companies. This allows you to compare prices using the same metrics. You also save time by using insurance aggregators instead of calling the companies individually.
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Step 4
Look for specifics in the auto insurance quotes. If you decide you need property damage, medical payments coverage or personal injury protection, compare quotes from different companies using the same figures. This allows you to know who is offering lower quotes.
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Step 5
Call your family and friends and ask for their opinions on auto insurance companies. Ask whom they are insured with and what their experiences have been. This will help you determine who has the best policies in your area and which companies pay claims promptly and which do not.
