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UPDATED: Mar 13, 2020
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Car insurance comparison is critical to finding the best car insurance rates but how do you compare car insurance companies? Do you choose the one with the most popular brand or the one with the best commercials?
While auto insurers surely bet a lot of money on the later it’s essential you take time and compare many elements between any potential car insurance companies.
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What is the best way to compare car insurance quotes?
You may be surprised to learn that most states have over 100 licensed insurance companies who sell auto insurance coverage.
In addition to Geico, State Farm, Allstate, and Progressive. It’s important to focus on learning about car insurance as ultimately finding an auto insurance provider is the natural part for most drivers.
Car insurance comparison can be compared to shopping for almost anything. You want to find the best coverage at the best price.
However, unlike buying a television or a pair of shoes, there is a lot more to auto insurance than just the brand name of the insurer.
Here are some questions you should be asking yourself:
- Do you know what types of coverage are available?
- What are your policy deductible options?
- Are you insured for damages with liability insurance?
- How much rental car coverage do you have?
The odds are most drivers cannot answer these four simple questions so how could you ever find the best policy when you clearly do not understand the type of coverage you already have?
Most drivers fall in the same situation but with a little bit of education, you can not only gain a competitive advantage in comparing car insurance policies but also have a base of knowledge which can serve to help you save money every time a new system is required.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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What are the five elements of comparing car insurance?
You have to be careful as some insurers quote very cheap car insurance rates when in fact the policy quoted contains a lot less coverage than you need or conforms to necessary state minimum liability requirements.
There are a total of five elements to keep in mind when it comes to comparing car insurance.
The five critical elements of car insurance comparison every driver should pay particular attention to when comparing quotes are:
- Types of Coverage
- Limits of Coverage
- Policy Deductibles
- Policy Exclusions
If you can look at potential policies and understand how to compare plans using these five elements, then you are in an excellent position to make a better decision than most drivers about what policy coverage to choose.
Who is the best car insurance company?
Comparing policy coverage is undoubtedly only one step to choosing the right car insurance is another tricky topic. While there are industry ratings to help rate insurance providers nothing speaks better than consumer referrals.
Just remember anybody can pay monthly premiums so try to find people who have filed a claim and inquire about their experience with a particular provider.
While industry ratings certainly help forecast the ability of a provider to be there financially in the event of a claim we all know with the recent Wall Street scandal ratings can sometimes not be the best measure of any company.
When you feel like you have enough knowledge to ask a potential insurer enough questions to compare your options equally than its time to start a car insurance comparison search.
Enter your zip code below to get FREE car insurance quotes today!