How to Find Cheap Car Insurance

Video Transcript

"You are thinking about buying car insurance and you don't want to spend a lot of money. So what do you do. I'm James with the Resurgence group, we are a full service insurance agency and we are also an independent agency so we have many carriers. The best way to get the least amount of car insurance is to shop it with multiple carriers. There are many companies out there that you'll pay a premium for but there are a lot of companies out there that will just give you the basic coverages and save you a lot of money. If you are looking to get simple coverage you would get what's called pip and pd, personal injury protection and property damage. Those are the minimal requirements required and that's also going to be the least expensive car insurance out on the market. Not necessarily the smartest thing to do, because if you are in a car accident and you have property damage to the vehicle or bodily injury you won't be covered. So again you have to kind of figure out how much money are you willing to spend to have the different types of limits for that policy. We recommend that you have your basic pip and pd but also bodily injury and if you have a vehicle that might have a lien on it, you are probably going to be required to have comp and collision or if you've got a car that's of significant value you know if you just pay that two hundred and fifty dollars or even up to a thousand or five thousand dollars in deductible after that the car repairs are paid for by the insurance company. So again just think about how much money you are willing to spend and you could get with an agent and they could literally just sit with you and come up with the different values of the different limits and create a customized policy for you right there in their office or you could just give a call to one of the carriers direct and I'm sure that they would be able to help you. My name is James I'm an insurance agent and we recommend that you speak with an agent or some one in customer service and you design a policy specific to your financial needs."