Compare Car Insurance

You are thinking about buying car insurance so what do you do, there's many options. You can go to the internet, you can go see your agent, you can call a one eight hundred number  but the bottom lineis once you get the information and once you get the quote, how do you compare it to the competition. 

I would strongly suggest that you get things in paper, because a lot of times an agent or a customer service rep will say things and they truly mean it but unless you have it documented and you have it side by side, line item by line item you just don't know what it's going to cost. There's many different types of limits such as bodily injury, property damage, uninsured motorist, all of these have a significant value on the bottom line premium when it comes to that quote.

So sometimes you can see a premium that looks lower then the competition but it's probably because they've left something out. So you want to make sure that you at least have your basic coverages and you compare those basic coverages. That would be your property damage, your bodily injury, your uninsured motorist, to name a few. And also your comp and collision if you have a car of substantial value. 

You could raise these limits and that's going to raise the premium or you could lower them the same with your comp and collision so again when you are comparing these quotes make sure that if you are at two fifty it's comparable to all of the different quotes as far as your comp and collision deductible.

How to Find Cheap Car Insurance

You are thinking about buying car insurance and you don't want to spend a lot of money. So what do you do. The best way to get the least amount of car insurance is to shop it with multiple carriers. There are many companies out there that you'll pay a premium for but there are a lot of companies out there that will just give you the basic coverages and save you a lot of money. If you are looking to get simple coverage you would get what's called pip and pd, personal injury protection and property damage. 

Those are the minimal requirements required and that's also going to be the least expensive car insurance out on the market. Not necessarily the smartest thing to do, because if you are in a car accident and you have property damage to the vehicle or bodily injury you won't be covered.

So again you have to kind of figure out how much money are you willing to spend to have the different types of limits for that policy. We recommend that you have your basic pip and pd but also bodily injury and if you have a vehicle that might have a lien on it, you are probably going to be required to have comp and collision or if you've got a car that's of significant value you know if you just pay that two hundred and fifty dollars or even up to a thousand or five thousand dollars in deductible after that the car repairs are paid for by the insurance company. 

So again just think about how much money you are willing to spend and you could get with an agent and they could literally just sit with you and come up with the different values of the different limits and create a customized policy for you right there in their office or you could just give a call to one of the carriers direct and I'm sure that they would be able to help you.