Today, it's quicker and easier than ever to shop around for car insurance. In a matter of minutes, you can receive quotes from multiple companies competing for your business. Still, it's important to understand that the cheapest coverage isn't always your best bet and there are some other things you'll want to keep in mind as you compare quotes.
Overall Ratings and Reviews
As you compare auto insurance quotes online, it's a good idea to spend some time researching individual insurance carriers to get a better feel for their reputation, ratings, and the like. After all, while a low rate might be enticing, you don't want to sacrifice quality of coverage or customer service in the process. Don't hesitate to read some third-party reviews of each insurance carrier you're considering. You may also want to check the Better Business Bureau for any recent complaints.
Exact Coverage Types and Amounts
When you get an insurance quote online, it's also important to make sure that the other quotes you're comparing it to are identical in terms of their coverage types and amounts. If one carrier is offering you insurance at just $30 per month compared to $60 per month with another carrier, there's likely a disparity in coverage somewhere. Check to make sure that every quote you receive is for the exact same type of coverage (whether it be state-minimum liability coverage or full coverage with comprehensive and collision insurance), the same limits/amounts, and the same deductibles. This way, you can be sure that you're comparing apples to apples as you shop.
Insurance carriers can also vary greatly in the specific discounts they offer to their policyholders. Even if the quote you've received already reflects some discounts, it's a good idea to contact the insurance carrier directly to inquire about additional discounts. Some insurance companies, for example, may offer further discounts if you're a member of a professional organization or even if you complete an online defensive driving course. Likewise, you may be able to save a nice chunk of change with some carriers when you pay your six-month policy premium in-full rather than monthly.
Comparing quotes for car insurance online can be a great way to make sure you're getting the best deal on your coverage. As you shop around, though, just be sure to keep these factors in mind so you can ultimately buy your policy with confidence.
To get an insurance quote, contact an insurance agent in your area.