Auto Insurance That Meets Your Needs

To find auto insurance that meets your needs, know what you need, have questions ready, and take your time with a decision. Use our free tool below to compare auto insurance rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Know what you need before you contact insurance companies
  • Have a list of questions ready when you speak to an agent
  • Take your time and don’t feel pressured to make an immediate decision

If you use these tips to find the right auto insurance coverage for your needs, you can eliminate hours of needless research. Looking for the perfect car insurance provider to meet your personal expectations can be tough and sometimes a bit overwhelming.

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The number of auto insurance companies that want your business is tremendous, and if you are not careful, you could wind up making an unwise decision.

One of the reasons so many consumers regret their choices is because they feel compelled to rush and this often results in mistakes.

Instead of speeding through the process by going online and choosing a cookie-cutter automobile insurance company, you should take time to understand how important the process really is.

If you can put your mind into the proper perspective, you will realize that this deserves your undivided attention.

Set the Proper Expectations

One of the only ways you can set the proper expectations when you are looking to find the right auto insurance coverage is to find a company you can trust. If a company is not honest, they will not meet your needs.

Keep in mind that no one can make you pick one company over another. In addition, you do not have to stay with any company if they turn out to be unreliable.

According to the experts at Profit, there are several ways car insurance companies work to gain customer trust. The first key is listening.

The auto insurance company you choose will have representatives, dedicated agents, or brokers that acknowledge your voice as a customer. They will know that you hold the power and treat you with the level of respect you deserve.

If you find yourself repeating your questions during the initial telephone call, perhaps you do not have the correct provider. The same is true with the answers they provide, as you deserve clear, precise responses.

You will need to make contact with at least three different insurance companies before making up your mind. Try to focus on their non-verbal skills and the tone of their voice. Do they sound bothered with your call? Are they upbeat and enthusiastic?

These are ways you can tell how well an auto insurance company trains their employees.

Never feel pressured into divulging more information than necessary if you do not feel comfortable with your first phone call.

If they seem too pushy, you can simply thank the representative for their time and politely end the interaction.

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Take a Cue from Their Sales Pitch

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While it is important for you to speak up during your communication session, it is just as important that you pay attention during the first few minutes of the conversation. This gives you a way to gauge their interest.

You can tell how well a company will see you as an individual by how they begin their sales pitch. If they immediately start to sell you their product rather than listen to your needs, they are likely more focused on making a sale than on meeting your needs.

Of course, it is part of their job to try to sell you a specific level of coverage, especially if you deal with an agent.

However, the most important part of the entire process should center on what you require from their services and how well they can meet your needs.

After all, what good is it to try to sell you full-coverage if you have a $2,000 vehicle?

A study performed by the staff at Advanced Hiring shows two key elements that all great salespeople share. The first is the capacity to feel things, or express empathy for their customers. They place themselves in their position and consider how they would feel if they were on the other end of the situation.

By utilizing this emotion with customers, a top car insurance company can practically guarantee that they will be there when you need them.

The other element is ego. This may sound negative, but it is actually very important. When paired with empathy, a salesperson with a strong desire to conquer feels like they must succeed. This means they will work diligently to help you in every way possible.

When you advise them of the type of auto insurance you want, they should go the extra mile. If they cannot create the best policy for you, they turn down your business rather than sell you sub-par coverage.

Only a poor, unethical salesperson will try to sell you something based on price alone.

If you remain strong, they may offer you discounted rates based on your specific needs.

Ask Little Known Questions

This is an excellent tip, because you can really see how perceptive the car insurance agent, broker or representative is when it comes to their profession. Skip the common questions and go directly for the laws and specific regulations.

To pull this off, you will need to do a little research yourself.

However, you should already have this information handy because you want to make sure you know what you need rather than what most companies want you to purchase.

Most people find what they need from their Department of Insurance, so start there.

You can also try and search for information on your state. This is a faster way to find specifics without a long, time-consuming investigation. Try quizzing them about special programs that your state offers.

Every state must make auto insurance available to eligible recipients. For example, California residents have the California Low-Cost Automobile Insurance Program (CLCA). In Massachusetts, they use the Massachusetts Auto Insurance Plan (MAIP). Other good questions can focus on the consumer bill of rights.

They should know this information well and have many answers committed to memory.

Emphasize Usefulness and Downplay Price Points

Not everyone has the same concerns about price, and cheap car insurance rates are not your priority. While it is true that a great bargain is a wonderful bonus, you really want to find the best match for coverage.

This means you may need to express yourself more than once, but not in a disrespectful way.

In other words, reject the impulse to act on price, even if the professionals you speak to continue to stress the importance of saving money.

You should emphasize the importance of receiving full protection and other options you need as well as a fair price.

If they can match your list of requirements on every level without compromising, you should consider working with them. If they consistently press the need for low-cost auto insurance while meeting only a few of your conditions, make it evident that you will need to move along.

If you continue to indulge their way of thinking, you may make a bad decision.

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Leave Liability-Only Policies Alone

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Unless you just purchased a vehicle worth less than $10,000 and can only afford the bare minimum, do not even bother to bring this type of coverage up in conversation. Let them know that this is your starting point.

It is not going to pay for much and you will still pay out of your own pocket for most repairs to your own vehicle.

You will not get compensation for your damaged vehicle. Although every state requires very little coverage, you will more than likely require much more, especially considering what kind of protection you actually receive.

To make matters worse, you still need to pay a deductible before your auto insurance provider even considers paying for damages that you cause to someone else. Liability-only policies help you with one issue only–keeping you from going to court or having your assets seized to pay for medical treatments or property damage.

Always Stick With Your Plan

No matter how great a deal auto insurance companies offer, never accept any level of coverage that surpasses your original plan. This is the quickest way to overspend and lose sight of your goal.

It can be difficult to remain steadfast, especially when you speak with agents or brokers, who are usually very tough to refuse. However, you must remember that you have the final say.

Write everything down and be sure that you consider all of your options before you make your first inquiry. This will help you concentrate and stay focused. When the time comes for you to make your choice, you should have no doubts and know you found the perfect balance.

Enter your zip code into the FREE toolbox for access to great car insurance rates from multiple companies today!



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