When buying auto insurance, do a little homework first, shopping, and choose carefully your insurer. Your insurer should offer both fair prices and excellent service. These tips will help you find the right insurance for you:
* Know your state of the auto insurance requirements:
Most states require you to carry a minimum amount of liability. Many states have "no-fault" auto insurance systems. Coverage for medical expenses for you and your passengers is optional in some states. Coverage for damage to your vehicle is optional.
* Write your personal auto insurance profile:
List relevant information on the type of vehicle you drive, if you drive, who else drives, what is your driving record, where you live, what safety features your car has optional. This profile will be the next step easier.
* Comparison Shop:
Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the Yellow Pages and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for a personalized quotes.
* Meeting with insurance agents:
Make some appointments, bring your profile personal auto insurance with you, and ask questions. You want a fair price and quality service. Ask about discounts available, higher deductibles, service options and procedures for claims after accidents. Take notes.
* Compare Again:
Consider cost, coverage and quality of services available. Select your insurer.
* Review your policy:
Yes, even the small print! Ask questions. Keep your policy at hand. Call your insurer to maintain your policy update, inform your agent of any change (new car, new jobs, new driver…) periodically and ask about possible discounts. Review your policy each year with your insurer.
* Keep your insurance information with you:
Many states require drivers to wear a validation of their insurance card when you are driving. Ask your insurer for a card, and keep it in your wallet or in your car.
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