Buying auto insurance is like buying anything else - shopping around, talking to friends and learning more can help you get the best product. Here are some important steps you can take to find the company and deal that are right for you:
Talk to friends and people you trust: It's good to go with an agent who has been recommended by someone you know. Ask about how your friend's experience has been with making claims, getting questions answered, etc.
- Get online quotes and comparison shop: There are a number of "comparison-shopping" websites where you can go to get quotes from different insurance companies and some only take about five minutes. Here's how they work:
- You fill out information about your car and driving record.
- They take this information and analyze it with the insurance companies they partner with.
- They give you a list of their partner companies that will offer you the best deals.
Get a list of some of the best websites for getting quotes online.
- Go with a company that has a good track record: If you don't want to take the time to compare prices from different companies, a large company can be a good place to start because it's pretty standard that they will be fair and provide decent service.
Get a list of insurance companies that have good track records.
- Remember that price is important but so is security: Make sure that the insurance company you choose is trustworthy and in good financial shape. You can learn how secure they are by clicking here to check their Standard & Poor Rating (to be safe, you probably only want to go with a company that is rated A, AA, or AAA).
- Learn even more: The more you know about auto insurance, the better prepared you will be to make the right decisions. The Beehive is a great place to start.
Here are some links to other sites you can check out for more information:
Auto Insurance Law
Auto Insurance In Depth
If you're having a hard time finding insurance because you have a bad driving record or credit problems, you may need to buy "high risk" insurance. Get information on buying high risk insurance.
Remember: Even if it means lower rates, never lie to your insurance company when buying a policy. It could mean you won't be covered in the case of an accident or even that your insurance will be canceled.