How to Effectively Compare Car Insurance Quotes

In order to drive your car you need to have proof of insurance. Car insurance prices can vary by several hundred dollars from company to company so how does one go about getting the best deal?

Difficulty: Moderate

Instructions

Things You'll Need:

• Computer with internet access
• Phone book
• Phone
• Current policy to compare to
• Patience
• Time

1. Dig out your current car insurance policy. You will want to set this as a base so that you are comparing the same coverages on your car with each company you research.

2. Using your online search box type in Car Insurance Quotes and see what companies come up.
   
   Most of us simply choose the top 3 or 4 companies. Many will give you an online quote. Make sure if you get an online quote that you are comparing the same coverages as your current policy.

3. Using your phone book, call at least 3 local companies. Tell them you are looking for car insurance quotes. They will ask you if you have current coverage and if so how much so have this information readily available as well as your vehicles make and model.

4. Compare step 2 and step 3 against your current policy. Again, make sure to compare the same coverages (unless of course you want more coverage).

5. Check for all available discounts.
   
   Does the company give multi policy discounts such as homeowners and car insurance?
   
   Does the company give a multi car discount?
   
   Check for senior discounts if you are a senior citizen (ages will vary by company so be sure to ask if you are 55 or older).
   
   Don't forget safe driver discounts, accident free, no tickets and so on.

6. Some companies will compare different companies when they give you a quote. Always make sure to ask when getting a quote if the company you are talking to offers this service.

Tips & Warnings

• Unless you require higher limits always compare the same coverages.
• Always check for any available discounts.
• Always have a list of questions ready for the agent when you call.
• Always have your current policy on hand when you call.
• Don't be afraid to tell a company that you can get the coverage for less elsewhere.
• If you are brand loyal ask yourself why.
• Don't ever be afraid to ask for more discounts or if they are available.
• Re evaluate your current policy every 6 months. Sometimes they will lower your rate but only if you ask.

Resources

• Insurance.com