How to find cheap car insurance quotes can be the difference between spending too much on your insurance and getting an affordable rate. Finding cheap car insurance quotes doesn’t have to be difficult if you know where to look and what questions to ask.
Follow these tips from independent insurance agents in order to get the best car insurance quotes at the best prices!
Finding Car Insurance Quotes Online
Before you start comparing car insurance quotes online, you’ll need three things: a license plate number, an address and proof of liability car insurance coverage. That may sound like a lot but usually you can get all three easily.
To begin your search for affordable car insurance, go to one of many comparison sites on your favorite search engine. These sites allow you to type in different information, including your name and address as well as some personal information (such as age and gender) that will impact how much you pay for auto coverage.
Some will also let you filter results by car make and model or specific types of coverages that include uninsured/underinsured motorist protection or even roadside assistance.
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Finding Car Insurance Quotes Via Phone
It’s often possible to get some of these, if not all, of your options without even getting out of bed. You can call or email insurers and ask for quotes that way. It takes time, but you’ll know exactly what you’re paying before ever setting foot in an office.
Going through multiple companies is also a good way to ensure you got quoted a competitive rate; there’s little incentive for them to offer less than their competitors when they know you’re shopping around.
Comparison Sites
With so many types of policies, no one site can offer them all. In order to help people save money on their car insurance, they’ll have to go online and use various comparison-shopping sites.
This is how they compare: a consumer fills out a quick form that asks for basic information about their policy (age, gender, etc.), about other policies held and other factors (such as accident history), and gets rates back from different companies.
The combination of comparing multiple companies through an independent service means consumers can often get lower rates than they could by approaching one insurer at a time.
Comparison shopping also helps consumers get coverages without gaps in protection—something that happens when people don’t carefully read coverage limits on plans offered by individual insurers.
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Car Insurance Agents
How you get your cheapest quote is going to vary from state-to-state. For example, in California, consumers may be able to get quotes directly from an insurer without any shopping on their part—though that option is only available for about 20 percent of companies operating in California.
Consumers can also purchase a policy direct through an insurer or broker, which will generally provide them with a better deal than through a third party service provider. Regardless of how you choose to go about getting your quote, experts recommend making sure your protection covers costs like vehicle damage and medical bills if you’re hit by someone else—as well as personal liability coverage if you hit someone else.
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Car Insurance Quotes Maryland
Maryland requires that drivers carry a minimum of $25,000 in Personal Injury Protection coverage (PIP) for bodily injury for each person injured in an accident. If someone is seriously injured and requires more than $25,000 of PIP coverage, most drivers will want to consider purchasing additional PIP.
The total amount of PIP insurance you buy is called your personal injury protection limit. In Maryland, you can purchase as much as $2 million worth of PIP coverage. Your premiums won’t increase unless you have an accident or your driving record gets worse.
You may also choose to increase your personal injury protection by adding deductible reductions. When you reduce your deductible, you’ll likely pay more in monthly premiums because there’s a direct correlation between deductibles and rates.
