Before you begin to start the shopping process for car insurance you will need to have two very important pieces of information. You will want to have a detailed copy of your current drivers record as well as the current policy you are paying for, that includes the premiums for every aspect as well as what your deductible is, if you were to get into an accident.
If you want to compare auto insurance quote that you get, you need that information along with several estimates from different companies. So you can really compare them equally among what you currently are paying and what these estimates say they would offer you with your current driving record.
Your Driving Record
Your current record is extremely important in determining the rates that companies will charge you. For every infraction that you have on your record like moving violations or accidents insurance companies raise the rates because they make you a higher risk for them of a car accident.
But items get erased over time and that can end up lowering your rates that companies might give you estimates on. It is therefore very beneficial that when you apply for a quote from a company that you have the driving record so that there are no surprises down the road.
Your Current Policy
If you cannot find your actual policy, the contract that you signed, then use a bill. Make sure you are aware of the amount of coverage you have and what the amount is that you are currently paying for it. Make sure you write the yearly or annual amount as well as what you end up paying monthly. This is the amount that you compare auto insurance estimates with. Your goal is to get a better rate than you are currently paying to your current company.
Get the Quotes
Now that you know what your limitations are and your goals are you can set out to get some estimates. The easiest way to get as many quotes as possible is to use the internet. You can go to search engine and submit your personal information, along with your driving record and the information on your car in minutes. In very little time you should see the quotes pouring in. Then you are ready to start comparing what you currently have over what you are being offered in a policy.
The Evaluation Process
The best way to compare auto policies is with a list. These are things you want to pay very close attention to in the quotes and what you want to take special not of to compare them.
* The annual and monthly rates for the different types of coverage is a very important factor to take special not of in all the quotes you get.
* For every estimate you want a contact name and phone number to call with any questions.
* How you make payments is very important and when.
* Find out if there are any other discounts you can get.
* You want to know the insurance company’s consumer complaint ratio from your state’s department of insurance Web site.