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Car Insurance Comparison

Unluckily, since car insurance is required by law in almost every state and not having car insurance can really create more trouble than you need, it is very important to make a thorough car insurance comparison before buying car insurance. It is important to know why you need to do a thorough auto insurance comparison, what you should be comparing, and how to evaluate your results to make the best selection.

Why You Need a Thorough Car Insurance Comparison

Most of us make a mistake of thinking that car insurance policies are superb much the same that all we need to do is pick the policy with the best price and we are good to go. Nothing could be further from the truth. Each car insurance company has many different policy types, each one has different levels of coverage, coverage options, incentives and discounts.

Also, the cost associated with each of these different policies can vary greatly depending on the company you choose and the policy type, the coverage amount, and any other of a several different options you might select.

What You Need to Consider in Your Car Insurance Comparison

The key issues you need to prioritize include the level of insurance coverage you need, the amount of money you can afford to pay for your car insurance, and the type of insurance company you want to do business with. When you consider the level of insurance coverage you need you will need to do an honest rating of: your driving habits, your driving environment, and the type of situation you will be able to accommodate if you are ever need to file a claim.

Yes, it does matter how, when, and where you drive. Since insurance companies will rate these factors, you should as well. "Be honest with yourself and us." If you regularly drive past the speed limit, if your daily drive includes major interstates and thorough fares, or if your change is an hour each way through any of the most populated cities in America then you might want to consider a higher level of coverage because you are in a higher risk category.

What that means is that your driving behavior, either good or bad will affect your chances of being classified as a high or low insurance risk. This is important because if you realize your driving risk category, you can make a more informed decision on whether you need basic coverage or a policy that includes every option known to man. Some companies even offer accident forgiveness policies if you are usually a good driver, but realize that even a good drive can have an accident.

You will also need to consider your driving environment. This includes more than just the area you drive through each day. You need to consider if you will be parking your vehicle on the street or if it will be locked in a garage, if you will be parking in any high crime areas or areas known for a high volume of vehicle accidents, or if the car you drive is a vehicle is commonly targeted for theft. Other considerations like if you have an alarm system or Lojack device installed can make a difference when deciding if you want coverage for theft of the vehicle. Installation of anti theft devices will most likely lower your rates.

One of the biggest considerations you can make is to analyze how much cost can you bear when choosing any particular policy. How much you can afford can greatly affect how much coverage you can obtain as well as what type of company you can purchase from. There are companies that will offer you basic liability coverage for a very small monthly payment, there are companies that offer platinum level coverage options for payments that might make some executives flinch. You’ll need to find out where you fall between these two extremes just remember that you often get what you pay for.

When you start gathering price information for different policies and car insurance companies, you need to ask about any and all discounts, incentives, or promotions each company might have to save you money on your policy. Surprisingly, a high coverage/high dollar policy can become affordable after deducting all possible discounts, adding all available incentives, and taking advantage of any promotions offered.

In the end, you will need to think about the type of service and stability you want from the insurance company you will be doing business with. Despite the fact that insurance is one of the few products consumers purchase yet never want to use, it is almost avoidable that in all of your driving experiences you will need to file a claim at some point. When you do, you want to know that the insurance company you have been paying premiums to is still around to service that claim.

In addition, when they do service the claim you file, will they treat you as a valued customer, or an expense that needs to be settled? You will want to know what type of service history the company enjoys, is this the type of company you could recommend to your Mom or best friend? If so, there is a good chance it could be the company for you.

Evaluating Your Car Insurance Comparison Data

Once you have decided what coverage you want, how much you want to pay, and what type of company you want to service your insurance needs, you will need to gather data on the different companies that fit the bill. Our comparison tool above is one great resource. Just a few clicks and you will have side by side comparison information ready for you to evaluate.

Once you are here, decide on your priorities. You can rank price, coverage, and service/brand stability from one to three. Use this weighted list to narrow down the field to one or two really good choices. When your short list of car insurance companies is finished, no matter which option you select, you can be assured that your needs and wants will be met.

Remember: Car insurance companies change rates regularly and often give considerable incentives to win new business from other companies. So, once you have have your short list of preferred insurance companies, don’t be afraid to go back and re-shop your options. You can sometimes save a bundle by just going back to your current insurance company to re-shop your rate and policy about every six months or so.

Get Free Car Insurance Quote Comparisons!

One thing is flukey, we all need car insurance. If you have to have it, doesn’t it make sense to get to policy you really need, at the price you can really afford, and with a company you feel you can truly count on? Shopping car insurance may be a chore, but as important as being insured is, you will definitely want to take the time to do it right. Spend just a few quick minutes to enter your zip code into the box above and get started with your free car insurance quote comparison today!

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