Basics of Getting a Car Insurance Quote

Getting accurate quotes requires specific actions on your part. You want a car insurance quote that provides you with enough information to make an informed decision about whether or not to purchase a policy from a particular insurance carrier. Take the following steps to get quality insurance quotes from major providers approved to serve your community.

Know What is Required by Law

Every state has some type of insurance requirements for drivers. It is imperative you know what your state's requirements are before you start looking for a policy. You may think that because an insurance company sells you a policy, you are getting at least the minimum amount required by law. Unfortunately, that is not always the case. Do not rely on insurance companies to do the work for you.

Most states allow drivers to purchase liability-only policies that meet minimum requirements. The exact amount of coverage you need to buy is represented by three numbers. For example, you be required to buy 10/15/35 in liability coverage. The first number represents the maximum amount the insurance will pay per person injured in an accident. The second number is the claim limit per vehicle damaged, and the third is the total costs per accident covered by insurance. Remember, you always have the option of buying more insurance.

Buy What You Need

Before getting a car insurance quote, you need to know the type of insurance you want to buy. When completing the quote request, you are required to indicate whether you want standard or full coverage options. You may be asked if you want to include other types of coverage including collision, rental, and uninsured motorist insurance. It is important you know the meaning of these types of insurance so you get sufficient coverage without paying for insurance that does not benefit you.

Consider other factors when determining the amount of coverage you need to buy. If you have a car loan, more than likely you are required to maintain full coverage on the vehicle for the term of the loan. Your lender will confirm this with your insurance company. Drivers who travel a lot may want to consider buying extra rental insurance in case their vehicle is in the shop for repairs.

Establish Your Budget in Advance

Knowing what you can afford to pay for insurance will help you get good quotes. You do not want to end up with a policy you cannot afford. Allowing a policy to lapse without having another in place means you are not insured and cannot legally drive. A history of having gaps in coverage will cause your premiums to increase because you pose a risk to insurance companies. It is better to stay within your budget from the start.

How to Buy Insurance

A good car insurance quote service is your best option when you want quality coverage at affordable rates. Online quote services are free to use at your convenience. Because they are available around the clock, you can get a car insurance quote whenever you need to buy a policy. Just complete the quote request form and receive multiple quotes from top insurers to review at your leisure!

» Basics of Getting a Car Insurance Quote

You need to have specific information available to get an accurate car insurance quote. Learn about the basics of getting and comparing quotes so you can find a policy that meets your needs.

» Glossary for Understanding a Car Insurance Quote

Understanding a car insurance quote requires knowledge of specific terms. Use this glossary to consider quotes so you can determine which one offers the best value for your money.

» Car Insurance Quote Tips

Use tips from experts to find a car insurance quote that is affordable and provides excellent benefits. There are specific actions you can take to locate incredible deals that include lower premiums.

» Factors Affecting Every Car Insurance Quote

Discover the factors that have the greatest impact on a car insurance quote so you can take steps to mitigate negative factors while leveraging positive ones to get the best policy.


» How Gender Affects a Car Insurance Quote

Insurance companies include gender among the various factors used to determine policy premiums. Since you have no control over your gender, it can be frustrating if you are being penalized for being male or female. By understanding how gender affects every car insurance quote, you are better able to find great deals on quality policies.