How To Get Car Insurance in 3 Easy Steps

For many, the mere thought of visiting an insurance company for a car insurance quote can sound like an arduous task, especially when you have no idea what the future holds. Despite these feelings, we do need the help of car insurers, especially in the event of property damage. If you’re unsure where to start, this article highlights the basics of car insurance and offers three comprehensive points to help you get the most affordable rates.

1. Choose your car insurance type and coverage.

Before asking for free car insurance quotes, the first thing you’ll need to do is find the right insurance policy in your state. The requirements for car insurance differ from state to state and often are dependent on the types of insurance coverage they offer.

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There are two major types of coverage; the required and the optional. Property damage, liability insurance, and body injury liability insurance are mandatory in every state. The former covers all properties, including vehicles and buildings that the owner damages. The latter takes care of all costs related to death or severe injuries that you cause to other people.

Other coverages are not mandatory for all states but might be required by certain locations. These include medical payments, personal injury protection, and uninsured motorist coverage.

You can also opt to take out collision coverage which covers damage to your vehicle due to a collision with another vehicle or object. There’s also comprehensive coverage, where all damages that occur due to hail, flood, theft, fire, vandalism, and other hazards are taken care of.

2. Gather all information.

After choosing the best and most affordable coverage for your vehicle, the next step is to collect all the essential information you’ll need when applying for said insurance. Some of these include

  • Your current insurer if you have one.
  • Your basic information comprised of your name, birthdate, address, and every other driver on the policy.
  • Your driver’s license information.
  • Your car’s details including the model, make, safety features, vehicle identification number, current odometer, reading, and annual mileage driven.
  • The driving history for all drivers and their tickets, accidents, and any other violations.

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3. Choose the best purchasing method.

When shopping for insurance, there are four major routes you can take. Each one has its upsides and downsides, with great reasons why they can be an excellent option for you;

Insurance from a captive agent: The captive agent works with one insurance company, often acting as your sole point of contact to the company once you make a purchase. They’re usually affiliated with large insurance companies, and they’re a great choice if you’re looking for some guidance as to the right policy to pick. A captive agent is also a great option for those who want to build long-lasting relationships with their insurer by allowing them to manage their multiple policies.

Insurance from the insurer directly: There’s no need to employ help from a broker or agent when dealing with the insurer. Most insurance companies offer free and direct insurance quotes over the phone, allowing you to finish your purchase any time you deem fit.

Insurance from an independent broker or agent: These insurance agents work with multiple insurance companies. Thus, they’re in a great position to offer you a variety of quotes and policies. It is an ideal choice if you want more price and coverage flexibility, and you have a great understanding of how much coverage is suitable for you and your vehicle.

Insurance from specialty agencies: This method is the best for people who have recent DUIs, accidents, lapses, and tickets. Specialty agencies deal with high-risk car insurance, offering non-standardized policies that cover people with spotty records.

After going through these three points, you’re ready to compare and contrast quotes to make your final decision.