Getting car insurance is not a decision you have to make, simply because you don’t get to decide.
Car insurance is mandated by law on every driver and vehicle owner. How hard is it to shop for car insurance? It’s not easy, but it’s not a job for a lackluster.
First, you have to decide how much car insurance you need.
At this point, you want to be aware of the state requirements if there are any. Also, make sure that the cost of the insurance you are getting will give you coverage for the full amount of your properties insured.
You can go online and fill out forms from websites for car insurance. Go and get quotes from as many as possible. Then you read and compare. You can also talk to your friends; they might have feedback, insights, and suggestion that can be useful to you in your search for the right insurance.
You can look at companies that do direct selling. These are companies that do not utilize the help or assistance of insurance agents. No agents, no commission, more savings for you. Just to set your expectations, these companies have high standards in terms of driving records. If you have traffic rules infractions or if you have accident records, they may not accept your application.
You also want to look at large national insurance companies. Remember that these companies have insurance agents you can talk to. However, their agents are exclusive to their company alone. So if you are looking for as many options as possible, you may need to talk to several insurance agents from these large national brands.
Another route you can take is talking to an independent insurance agent. This is probably a better option for you if you don’t like talking to too many agents from different companies. Plus, having one insurance agent compare and discuss the different options with, will be a lot less confusing. Just make sure you find one that can be trusted.
Lastly, don’t forget to ask for discounts. Know all the available discounts from the company that you are getting coverage from.