Quotes On Auto Insurance
It's a fact: auto insurance these days can be more expensive than a car payment. And you have to have auto insurance in order to drive. So if it costs you half your salary to pay for your car and its insurance, how the heck can you have any fun? Well, the simple answer is to shop around for auto insurance. Don't take the first quote you get, and shop smart. Auto 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 auto insurance quotes online than almost any other form of personalized information. Progressive, Geico, and many other auto insurance brokers offer online quotes in just minutes once they have collected your basic information. Today you can get auto insurance quotes online, pay for your insurance electronically, and be covered within a few minutes of requesting your first auto insurance quote. Since it's so easy, you should be certain you get multiple auto insurance quotes when you go insurance shopping. Never settle for the first quote; it can cost you hundreds of dollars. Sorting Through the Data Make sure you leverage data to benefit you, not the insurance company; and make certain the data they have is correct, just like you would with a credit company. All auto insurance 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 may invalidate your insurance coverage. But make certain they have accurate information. And make certain dates on things like moving violations and traffic accidents are accurate; most companies don't look at information more than three years old. Something like this can make hundreds of dollars of difference in the price you are quoted for your policy. Make sure you purchase 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 auto insurance 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 a car-totaling accident that is demonstrably your fault, you won't have a car unless you have full coverage. Don't stop with just listed discounts, either. Ask your auto insurance company if they give discounts for people with differing driving habits: for example, if you only drive during the day, which might give you a discount. If you can prove you don't drink, there are auto 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.