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UPDATED: Mar 13, 2020
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Finding the most affordable car insurance quotes is difficult but the internet has given us the best chance to be able to do that. Many drivers today are looking for a great way to purchase the best car insurance policy at a low price. You can enter your ZIP code into the FREE tool above to compare rate quotes right now. However, there is more to getting a great car insurance policy than simply comparing rate quotes. So how can you use free online quotes to find the best coverage at an affordable rate?
What Is the Best Car Insurance Policy?
Some people may be interested in buying a car insurance policy purely to meet car insurance requirements dictated by state law or by their car lender.
While drivers do want to buy a car insurance policy that meets these requirements, most drivers also purchase an auto insurance policy because of the real benefits such a policy can provide.
Car insurance can pay for repairs to your vehicle if it is damaged, and it may pay for your medical expenses as well. Further, it will pay for other expenses you may be responsible for, and this can prevent you from being sued for damages after an accident.
The best policy is one that offers you the maximum level of protection available, is affordable and is offered by a trustworthy company that will not haggle with you over a claim.
Steps to Finding the Best Policy
With these criteria in mind, there are a few key steps you can take today to find the best car insurance policy.
- Use a free online quote tool to compare auto insurance rate estimates.
- Determine your coverage needs. The minimum amount of coverage you need is determined by state requirements as well as lender requirements, but you may decide to purchase additional coverage for added benefit.
- Determine the deductible amount you can afford to pay out-of-pocket when you file a claim.
- Read consumer reviews to determine which car insurance companies are easiest to deal with when filing a claim.
- Get direct quotes from the companies that have the most affordable rate estimates and are highly rated by consumers.
- Look for discounts offered by car insurance companies that you may qualify for.
Using Free Online Quotes
Getting auto insurance rate estimates is fast and easy. You simply have to take a few minutes of your time to enter your zip code into a rate comparison tool. This tool will then generate rate estimates for you from some of the top auto insurance companies in the country. By using this tool, you can very easily determine if you are paying more than you need to for your car insurance coverage right now.
This can help you to determine if it is worth your time and effort to get full rate quotes. Further, it can narrow down your options so you can easily determine which car insurance you should shop at for full quotes in order to find the lowest rates.
Coverage You Need
One of the major factors that affects how much you ultimately pay for car insurance is the amount of coverage you purchase. You certainly want to purchase at least the minimum amount of coverage required by state law, if your state has this requirement in place.
You also want to purchase the minimum coverage required by your auto loan or lease. Some states, however, have very low liability coverage requirements. Buying a low level of liability coverage can leave you exposed to the risk of being sued for damages after an accident, as a low level of coverage may not fully pay for all expenses you are required to pay for.
Consider your need for purchasing additional coverage carefully to ensure that you are fully covered by your car insurance policy.
The Importance of the Deductible
Many drivers have heard that their deductible affects the price they pay for car insurance, and this is true. As the deductible amount increases, the premium cost decreases. Because the deductible is only required to be paid when you file a claim, it makes sense to increase it and enjoy the benefit of a lower premium. However, also consider that the claim amount should be higher than the deductible before you can benefit from filing a claim.
For example, if you have a $1,000 deductible and damages to your car are only $980, your deductible would be applied to your claim and insurance would not pay a dime toward these repairs. While you want to keep your premium low, you also want to make your insurance affordable to use. Consider how much money you have access to for car repairs and for the payment of a deductible when you select your deductible.
Variations in Discounts
One important thing that many drivers do not fully understand about car insurance is how discounts are applied. Car insurance discounts are offered by most insurers today, but many drivers believe the discounts are fairly uniform from insurer to insurer.
For example, a driver may think that if he does not qualify for a safe driver discount with one company, he will not qualify for the discount with another company. The truth is that while most companies generally offer the same types of discounts, their requirements for these discounts can vary drastically.
Because of this variation, you can enjoy a significant amount of savings when you review the discount requirements different insurers have and identify which discounts you may qualify for.
Shopping for car insurance can take a little bit of time to do if you are interested in finding the greatest level of savings possible.
You can very easily enter your ZIP code into a FREE rate comparison tool right now to determine if savings may be available to you by shopping for coverage today. If you are like most drivers, you will learn that you can save a significant amount of money by shopping for rates.
After taking this step, you simply have to read a few car insurance company reviews, learn more about the money-saving discounts available to you and determine your coverage and deductible needs. These steps can help you to find the best policy possible. It all starts with using a rate comparison tool, so take this step right now.