October 3, 2010 in Insurance

Tips for getting car insurance quotes

Comparing car insurance quotes can be a hassle. But with a little homework, you can save money and get great coverage. Here are some tips to help you make the most of your auto insurance.

Gather your information

To get a car insurance quote, you’ll need to provide some basic information. So before you pick up the phone or start with an online calculator, do your homework. Gather your driver’s license, address and employment information such as your occupation, employer’s address and how many miles you drive to work each day. Have any accident and violation information available as well. And it’s also a good idea to have your car’s mileage handy.

Get multiple quotes

Gauging the market for auto policies isn’t always easy. But if you’re shopping for coverage, you need to look at multiple sources. Experts say that you should try to get at least three car insurance quotes before you buy. But if you have time, it certainly doesn’t hurt to get more, and you can always expand your search by working with agents and using the Internet.

Compare apples to apples

While it’s nice to have multiple car insurance quotes, it’s critical that the premiums you compare reflect the same coverage. That way, you can make concrete comparisons in terms of the value of the policy and what the policy actually covers. To do that, look at the declarations page of a policy. Located at the front of the written automobile policy, the declarations page summarizes the main parts of your plan. It includes the policy term, a description of the vehicles covered, the policy number and coverage limits.