Things You'll Need:
- Phone
- Computer w/Internet access
- Paper & pen
- Your vehicle information (VIN#, year, make model, mileage, etc.)
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Step 1
Decide what kind of coverage you want. They are many different levels of car insurance, plus different deductible amounts to choose from. You first step in choosing the best coverage for you is understand these things. You will want to consider the age of your car, its value, where your park it, how much money you typically keep in savings, how much you can afford to pay each month/year in premiums (payments) and more. Do your homework. Use the resources below to learn about the different types of insurance before you start to get your quotes.
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Step 2
Choose your method: in-person, via phone, or online (or a combination of these.) You can get quotes using any or all of these means. Many people prefer the convenience and anonymity of the Internet and/or phone vs.. face-to-face. Plus, driving around to gets quotes can take more time and gas money. There are MANY online sources you can use--just type in "auto insurance quotes" in your favorite search engine to begin. If you have a specific provider in mind, such as Progressive or GEICO, you can use their sites as well. Or try a multi-networked site, like esurance.com. No matter what sites you use, they will typically all require you the enter the same data: make/model/year of your car, mileage driven, ZIP code, plus your personal data. Then you will be able to choose the levels of coverage and the deductibles, which is why you need to understand these concepts before you begin this step. Your quotes will usually be instant and may also be emailed to you at your request. Make sure to write/save all your quotes so you can compare them. You can also use the phone for this step, and supply your info to an agent who will use it to prepare your quotes, which they may give to you verbally or via email.
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Step 3
Compare your findings. Take all of the quotes you've obtained and look at them side by side. This way you'll be able to determine what the best choice is for you.
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Step 4
Ask questions. While doing your homework first is important, don't be afraid to ask about anything you don't understand, especially about unfamiliar terms. Not asking may cost you more money!
