Do You Know What You Need to Get Car Insurance Quotes?
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by: laurawilder
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If youre serious about saving money on your auto insurance, car insurance quotes are the best way to do it. Rates can vary by over $800 for the same car garaged in the same area, and theres no way to find out which agency charges the least without requesting quotes. Here are the things youll need to make your quest for quotes painless:
* Your cars registration or title. Youll need the details of make, model, year, and engine size in order to get accurate quotes.
* A current insurance policy. Your current policy lists the kinds of coverage you have, plus details about some of the deductions for which you qualify. This data will be a help in getting accurate car insurance quotes and in choosing the level of insurance you want for your new policy.
* A list of major insurance companies in your region. Note that this list separates insurers out by COMPANY, not by AGENT. Agents frequently represent a larger company with a different name, so you may duplicate effort by requesting a quote from the same company five times without realizing it. To avoid wasting time, ask each agent which company provides his or her car insurance, and complete a query only for agents who represent companies from which you havent yet gotten car insurance quotes.
* Membership information for any clubs or organizations you belong to. You may be able to get a small discount on your car insurance through a club or organization you belong to. For instance, membership in the American Automobile Association (AAA) gets you a 3% discount at many agencies. When you ask for a quote, find out which organizations have arranged a discount with the agency or company, and be ready to give your membership number so you can receive your discount.
* A basic idea of what kind of insurance coverage you need. Fine tuning your coverage with the agent you choose is an excellent idea, especially since many kinds of insurance can be increased for very little, but you need to know what general level of coverage you want. Collision? Comprehensive? Do you need your insurance to cover rental cars? Knowing the general level of coverage you want will save floundering and frustration early on.
* Patience. No one particularly wants to spend time on the phone reciting the same information to a dozen different agents a dozen different times, but its a necessary part of getting insurance quotes. To make the process easier, start by getting car insurance quotes online, where you can enter your data into a form once and get quotes from dozens of agents. Then, when you know which insurance companies are less expensive, take your search to the phone. Take frequent breaks so you dont get bored or lose your temper, and remember to keep a sense of humor.
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