Getting Reasonable Quotes On Car Insurance
It's a fact: insurance these days can be more expensive than a car payment. And you have to have insurance in order to drive. There are a few things you can do to help get reasonable car insurance quotes - prices that will get you legally into your car without costing so much it removes the reason you want to drive in the first place. Car Insurance Quotes Online Because of some early data processing and electronic information sharing innovations made by the insurance industry, it's easier to get comparative insurance quotes online than almost any other form of personalized information. Progressive, Geico, and myriad independent car insurance brokers offer online quotes in just a few moments with only the most basic information. It's entirely possible to get car insurance quotes online, pay for your insurance electronically, and be covered within a few minutes of requesting your first quote, all without ever speaking to a human being. Since it's so easy, you should be certain you get multiple quotes when you go insurance shopping. Never settle for the first quote; it can cost you hundreds of dollars. Sorting Through the Data So how do you get the best price? By looking at lots of quotes, and by making sure the data you provide is complete and accurate. For instance, all car companies will ask you about your driving history. Don't ever try to deceive them; if you got a speeding ticket two years ago, they will find out when they run a driving history check on your license, and it could invalidate your insurance coverage. But make certain they have accurate information. For instance, I have to call my insurance company to change the dates of an accident and a speeding ticket; I got both of them more than three years ago (which means they don't count against my policy premium) and the dates they have recorded are only a year old. Something like this can make hundreds of dollars of difference in the price you are quoted for your policy. Make sure you get adequate coverage. Your state requires a certain minimum; that may be enough, but you may be able to pay just a little more money and get much better coverage in case of catastrophic collisions. If you own a car that has a lien on it, your bank almost certainly requires full damage coverage on your vehicle; if you don't have a lien on your car but are involved in an accident that is demonstrably your fault, you won't have a car unless you have full coverage. Ask your insurance company if they give discounts for people with differing driving habits: for example, if you only drive during the day that might give you a discount. If you can prove you don't drink, there are car insurance companies that will quote a lower price. If you have gone through an accredited defensive driving course, if your car is bright red in color (and thus more visible), or if you have certain types of tires, these things may all help decrease your premiums. Another thing you can do to decrease your overall insurance cost is to pay six months in advance; you get a discount (generally around 10%) over monthly payments, and you don't have to worry about insurance until the next time it needs to be renewed. If you shop wisely, you can decrease your auto insurance costs by as much as 30 %.
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