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Compare Auto Insurance with these Easy Tips

Auto insurance can be expensive but is necessary for the protection of yourself, your family, and your vehicle. The good news is you don't have to pay a fortune for insurance. You can now compare auto insurance companies and their offerings using some quick and easy methods.

Auto Insurance Coverage Comparisons

Auto insurance rates vary according to the type of coverage needed. When shopping for insurance, be sure to compare auto insurance companies based on the amount of coverage available and the pricing for each type of coverage. New and used cars that have been financed through a bank or other lender usually must be insured with collision coverage. Collision insurance covers your car up to the book value when an accident is deemed "your fault" or "no fault." Collision pricing will depend on the value of your car, your age and gender, where you live, and your driving record.

Liability insurance covers claims against you if you have a wreck and damage another person's vehicle. There is also bodily injury liability coverage, which covers injury or death claims against you as well as legal expenses. Liability auto coverage is required by law in most states. Medical payments coverage pays for injuries to others in your car and to yourself if in an accident that is deemed "your fault" or "no fault."

Comprehensive coverage covers car damage in cases of theft, vandalism, weather elements, fire, and other non-accidental damages. You should also obtain uninsured motorist coverage to protect you in case of an accident where the motorist that is at fault has no car insurance. Underinsured motorist coverage is another option, which covers costs incurred that exceed the coverage limit of another motorist.

Companies will usually offer discounts for purchasing multiple types of coverage, but be sure to obtain only the amount of coverage needed. For example, if you owe no money on your vehicle, and its value is only a couple of thousand dollars or less, then collision insurance may not be worth the premium in the long run.

Compare Auto Insurance Providers

Compare the customer service ratings of several car insurance companies before making a decision. Be wary of extremely low pricing offered by start-up agencies. The low prices can be alluring but will do no good if the company goes out of business or fails to process claims adequately. Check with the Better Business Bureau (BBB) or BBB online to get an idea of the company's customer service reputation.

Instant Online Auto Insurance Quote

One way to compare companies and their premium amounts is by obtaining online insurance quotes from several companies. You can do this by contacting each company individually or by using an auto insurance comparison website. Either way, you can compare premiums from the comfort of your home any time of the day. You can also call or visit several companies in your local area to compare rates to find the car insurance agency that's right for you.

Some questions to ask each company:

1. What are your rates for __________ coverage on my vehicle? (Be sure to have your car's information on hand.)

2. Do you offer family or multiple vehicle insurance packages with discounted premiums?

3. Do you offer safe driver discounts or other discounts?

4. What type of payment schedules and methods are available?

5. Will my premium decrease in time if I keep a clear driving record?

6. What exactly will be covered with each type of coverage?

Don't hesitate to compare auto insurance with every major company in your area. Ask around to see if your friends or loved ones can recommend a dependable company. You'll be surprised at the pricing differences among companies. You can save hundreds of dollars per year just by doing a quick comparison!

by Candice Pardue

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