Buying car insurance can be incredibly frustrating, especially if you’re not sure where to begin. If you’re like most people, you don’t have the time or patience to sit on the phone and explain your situation to countless different insurers before finally finding one that sounds right for you. For most people, comparing quotes online is by far the easiest way to ensure that they’re getting the best deal possible without feeling like they’re wasting their time on tedious tasks or dealing with pushy salesmen who have no idea how their policies really work.
1) Take your time
Take your time. You don’t have to buy insurance on a Tuesday and drive away with coverage by Wednesday afternoon. In fact, you shouldn’t. It’s easy to be tricked into thinking that you need car insurance right now, but it’s important to remember that you don’t need protection until you actually hit the road (legally). So take your time and compare rates online.
2) Shop around
Comparing car insurance quotes online has never been easier—or more necessary. With rates as low as possible and auto-insurance costs skyrocketing, it’s smart to get a sense of what your neighbors and friends are paying for coverage. You can use websites like QuoteWizard or MoneySupermarket to find out how much others in your area pay for their policy. Just make sure you read through all of their terms before you sign up, so you know exactly what you’re getting into.
3) Look at what they don’t offer
Before you start shopping around for car insurance quotes, it’s important to have a good idea of what your needs are. Are you looking for liability-only coverage? Comprehensive and collision? What about medical payments coverage or uninsured motorist coverage? Once you know what type of car insurance you want to purchase, check out any provider’s website to see if they offer every feature that’s important to you. If not, move on!
4) Don’t forget about discounts
There are plenty of car insurance discounts available. You’ll get a good start just by being a member of AAA or your alumni group. Ask your friends, family and co-workers if they have any recommendations, as well. If you’ve maintained a perfect driving record in recent years, look into a safe driver discount. It’s also worth checking to see if you can bundle home and auto insurance policies; bundling could save you hundreds per year.
5) Use a comparison site to help you find what you want in minutes.