How to Compare Car Insurance Quotes

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It’s not always easy just because you can do it online

Drivers in Florida who are looking for auto insurance need to make sure that they do a thorough job of seeing exactly what options are out there in their price range. Even just a few years ago, this would have required you to actually visit the different insurers or spend time talking with them on the phone after looking them up in the Yellow Pages. Choices were limited and the process was extremely time consuming.

Thankfully things are much easier these days. You are able to look up a huge array of different insurers online and even get quotes right through their website. While this seems great at first, it does present insurance shoppers with a new challenge: parsing all of the different information to accurately compare the quotes and find the best insurance rates.

Compare Quotes in 6 Easy Steps

2.Get quotes from at least three to five insurance companies.

While it is tempting to go with the “big names” that you know, you might want to consider looking at some of the car insurance companies that you haven’t heard of as well. Just because they do not have a nationwide brand name does not mean they aren’t a good choice. You are comparing quotes and policies, not their branding and marketing abilities.

3.Look at the coverage and limits.

Make sure that the coverage you are looking at will actually fit your needs and provide you with an adequate amount of insurance. Are you only looking to meet the minimum requirements or do you want to increase your coverage for more protection? It is important that you are comparing “apples to apples,” meaning you need to put in the same information and look for the same coverage across the different insurance companies you are considering to get accurate quotes.

4. Consider changing the deductibles if you can afford it.

This can help to lower the monthly payments that you have. Of course, not everyone will want to change their deductible, as it can make out of pocket expenses higher.

5. Look for discounts as well.

For example, you might be able to get a nice discount if you choose to bundle your insurance through the company. Bundling home and auto policies could be available through different insurers, and is something you may want to consider. In addition, see if you might be able to get a discount if you can pay six months or a full year in advance. There are also discounts for different types of security systems as well as student and graduate discounts.

6. Read all of the fine print to see if there are any hidden limitations.

Take your time to compare the various insurance companies and policies so you can find the solution that’s right for your needs.

While shopping for car insurance will still take time, it’s worth the effort because you’ll have peace of mind knowing that you got good rates for quality insurance that will actually cover you when you need it.