How do you get competitive quotes for car insurance?

It seems like every time you turn around, someone is telling you that you could save money on your car insurance. The only way you can truly save money on your car insurance is by receiving competitive car insurance quotes from multiple providers that compare coverage with cost.

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How can you be sure that you are seeing rates that are competitive with other insurance companies? You must get accurate quotes from reputable providers. Read the tips below so you can learn how to save money and time when looking to switch insurance providers.

Know Your Policy Coverage

The first thing you need to keep in mind when reviewing competitive car insurance quotes is that every policy is different.

It is extremely important for you to know your policy and the details under which you are currently covered.

Your best bet is to find your policy or the declaration page. Highlight important coverage information like deductibles, bodily injury liability, collision, comprehensive coverage, personal injury protection, uninsured and underinsured motorist coverage. Know exactly what protection you have on your current policy.

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Know Your State’s Requirements

Even if you receive competitive car insurance quotes from reputable agencies, you should be aware of your state’s insurance requirements. The insurance agency should know this information but, in order to make the most educated decision, you need to know your state’s insurance laws.

Know Your Cancellation Policy

Review your policy and determine what type of cancellation notice needs to be given. Often if you fail to give appropriate notice, you will be billed for the following month, and it will be reported to the credit agencies.

Also make sure that a new policy will go into effect immediately. You do not want to risk a lapse in coverage.

Know Your Vehicle

Another way to ensure the quotes you receive are accurate is to have your vehicle information handy. Be sure and know your make, model, year, and vehicle identification number.

If you know what safety features your car has, this will also be beneficial as companies usually give discounts for such features.

Write them down to avoid forgetting them during the questionnaire process.

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Request a Copy of Your Driving Record

You should also request a copy of your driving record from the DMV in order to provide accurate information to the insurance companies. A competitive insurance quote will be more accurate if the agent can input any driving infractions that occurred within the last ten years.

An agent will pull an official copy of your records after insuring you, which may result in an increase in your premium. It is better to be upfront and honest.

Know Your Credit Score

It may seem completely unrelated, but insurance companies calculate rate estimates by taking your credit score into account. If you know your credit score, you can receive a more accurate quote and not be surprised by an increase in your premium once the agent pulls the score.

Only Pursue Reputable Companies

Competitive car insurance companies will provide quotes to anyone through the Internet or mail, or via the phone.

Take the time to research car insurance companies. Read reviews on the Internet and ask around. Take time to look up the company’s financial ratings with A.M. Best, so you can be sure your new provider is stable and will still be around in a year or two.

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Online Quotes

Online car insurance quotes are simply estimates that are generated by a computer. You must first input your accurate personal information, so that an estimate can be generated. If you enter inaccurate information, the estimate will be incorrect.

• Once an estimate is generated, you will most likely have to speak to a representative to finalize coverage. It is at this time you should go over your current coverage and compare apples to apples.
• Know that your quote might increase or decrease depending on the personal information given to the representative and depending on whether or not you are making any changes to your coverage.
• Take the time to take notes on how the premiums would change should you make adjustments to your current insurance policy. Review the changes to determine what is the most cost-effective, but do not make a decision now.
• Ask the representative how long the quote is good for so that you are not forced into making an impulsive decision. If you have to make a decision immediately, do not insure your vehicle with this company.
• Next, call your current insurance agent. It is worth the effort to see if your current insurance agent will match another company’s premium quote and coverage.

Be sure and follow the tips mentioned above to ensure you obtain all the necessary information you need to make an educated decision and start saving money today.

You can start by reviewing competitive car insurance rates by inputting your ZIP code into the tool box now!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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