How to get a low auto insurance quote

The Internet is littered with ads claiming that a low auto insurance quote is just a click away. But before you shop around to compare auto insurance quotes, it pays to do a little homework. Here's what you need to know.

Shop for coverage

You may think you're shopping for an auto insurance quote, but what you're really doing is looking for coverage. So before you pick up the phone or fill out a form on the Internet, research car insurance and figure out how much coverage you really need. You'll be looking to compare prices on three things: coverage for bodily injury liability for a single person, bodily injury liability for all injured parties and property damage liability. While you can certainly use your state's minimum coverage guidelines as a starting point to determine how much coverage you need, it's a good idea to adjust upward based on the value of your assets.

Lower the quote

A lot of factors go into your quote, and while some of them are beyond your control, saving money on auto insurance is possible if you're willing to work at it. Here are some things you can do to bring that quote down:
  • Take advantage of discounts.
  • Pay your policy in full.
  • Install a car alarm.
  • Keep a clean driving record.
  • Improve your credit score.
  • Buy a car with safety features.

Get a free quote

While auto insurance isn't free, an auto insurance quote shouldn't cost you a dime. To get a free auto insurance quote, you'll need to provide some basic information, including your driver's license number, address and employment information such as your occupation, employer's address and how many miles you drive to work each day. Have your accident and violation information available as well.

When you shop for an auto insurance quote, you can look online or use the Yellow Pages, but be sure to get at least three quotes so you know if you're getting a good deal.

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