There are many sites dedicated to helping users find cheap car insurance, but not all of them are worth it. You need to make sure the site is reputable and has the latest encryption technology as you will likely be expected to enter personal information such as your zip code, current car insurance details, marital status, driving records, etc. The exact information you are expected to provide varies from site to site. Some auto insurance quote comparison sites may request information such as credit history. To get more than basic quotes, you will need to provide more specific information.
Think about the level of coverage you need. Some people go for the cheapest absolute coverage they can get to legally drive in their state. However, if the vehicle is still in very good condition and is not an old junk, it will probably need some type of collision / comprehensive coverage. Select a higher deductible to lower your premium. It’s nice to have a few extras, like towing and rental coverage, but may not be worth it.
7 large companies offer coverage for approximately 2/3 of the country (65%). However, this does not mean that YOU have to. There may be some regional / small insurances that offer better deals. The benefit of going through a smaller regional insurance company is that you can probably get superior, personalized customer service.
Find cheap car insurance for discounts
When trying to find cheap car insurance, try to get discounts on it. You can even apply for discounts to find out if you qualify for something. For example, if you are retired and don’t drive as much as you did when you got your current or previous policy, you may be eligible for a low mileage discount. There are also discounts for students who maintain good grades.
When comparing quotes, make sure you have a good understanding of your own driving habits, your budget, and your tolerance for financial risk. Will it be worth it to raise a little extra money each month if it prevents you from paying a fortune in the event of a collision? What about medical bills in case you are injured in an accident? What if someone else is injured and you face a lawsuit?
In other words, you need to compare policies and not just quotes. Don’t just automatically opt for the policy with the lowest rate. Customer service is also essential. A good place to find cheap car insurance and get quality customer service is Esurance. Discounts are also easy to find on this site. You can get information on everything from “5 Quick Discounts” and “Online Buyer Deals”.