If you're not satisfied with your insurance company; you need to insure a new car or you'd like to find out how to get a better deal on car insurance, this information is for you. Use it to weed through the car insurance maze, and you'll be on your way to the most secure coverage money can buy.
1. Do Your Research
Since car insurance isn't exactly optional, we recommend you make things easy on yourself by shopping online. You can even sit at home in your pajamas if you want; just get comfortable. Log on to your computer and you're set to go.
Your options are numerous, so read up on car insurance to get educated before you sign on the dotted line. Your deductible is simply the amount you pay out of pocket before your insurance company starts picking up the tab when you have an accident. The higher your deductibles are, the lower your car insurance premiums will be. $500 and $1,000 are common deductible levels for car insurance.
2. Gather Quotes
It's time to apply for car insurance by gathering quotes. You'll need the following information for this step:
Now, fill out the quote box at the top of this page so we can start matching you with local car insurance agents. The application only takes a few minutes, but with the savings you'll experience, it's definitely worth a little time.
3. Check References
When you start receiving car insurance quotes, you'll want to check insurer references to make sure you're dealing with reputable companies.
Start with your state department of insurance, which you can find by clicking on your state here. Then go to an independent rating service, like A.M. Best for further information. Here you'll find customer service and financial stability ratings that may prove invaluable in choosing the right insurance company.
4. Review Offerings
Before you settle on a car insurance policy:
Remember, the cheapest policy isn't always the best. When it's time to file a claim, you need an insurer you can count on. Depending on what's more important to you, additional services may be worth a few extra coins.
5. Buy the Right Policy
Now that you've narrowed down your choices and chosen the policy that's right for you, your insurance agent will handle all the details. After all, that's what he or she is trained to do.
Make sure you have contact information so you can call your agent if you have questions when you receive your policy. Meanwhile, your agent should give you a temporary binder to serve as proof of insurance. Carry it with you, or in your vehicle, until your policy arrives by mail. Then file it away and substitute your proof of insurance card, which should be small enough to carry in your wallet.
A note of caution: Don't forget to cancel your previous insurance policy!
You're On Your Way!
Now that you know how to buy car insurance, you're on your way toward the right car insurance at the right price.
So take advantage of this information and let InsureMe shop your car insurance for you. The results might just surprise you!