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When You are Comparing Auto Insurance Quotes

Shopping around for auto insurance is the best way to ensure you get the best deal.  But not every agent or insurance company quotes in the same way.

It’s essential to be sure you are comparing apples to apples when you compare auto insurance quotes to ensure that you are getting a great deal.  That low price may come with more inadequate coverage or higher deductibles and might not be such a great deal after all.  Learn how to compare auto insurance quotes for an excellent rate.

Are The Coverages The Same?

When you read over an auto insurance quote (and do read it-ask for it to be emailed or faxed to you, as mistakes can be made over the phone!), look to be sure that the numbers listed for liability limits, uninsured motorist coverage, and the comprehensive and collision deductibles match up.  Then look for additional coverages listed on the quote, such as roadside assistance.  Ensure that all of the quotes you compare list precisely in the same range for accurate comparison.

Is The Policy Term The Same?

Some rates look incredible until you realize the policy term is only six months.  Some companies offer different policy terms as well as different payment plan options.  If you plan monthly payments on your policy, ask for the monthly premium.  It isn’t necessarily as simple as dividing a yearly premium by twelve.  Many insurance companies charge fees for paying your premium every month, which can make the total annual cost of the policy higher than quoted.

Are The Discounts The Same?

An auto insurance rate may appear lower because it was quoted with a discount such as auto/home, which you may not necessarily qualify for or desire.  If you don’t plan to take out a homeowner’s policy with the same company, ensure they haven’t quoted it that way.  Also, check for other discounts; they won’t all match up, as every company offers different discount options.  The best thing to do is to compare which deals you qualify for with each company to help determine who is offering the best discounts.  Be on the lookout for discounts that don’t apply to you and will likely be removed by underwriting after you accept the policy.

A good quote will be simple, straightforward, and easy to read.  It will outline all the coverage in the quote and apply only those discounts you genuinely qualify for.  An inaccurately low rate in the selection won’t do much good if it changes once you accept the policy. www.lockinsurance.com.

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Car Insurance: Buying Car Insurance In The 21’st Century

autogirl1Buying car insurance can seem daunting, but you can often take steps to make it a little easier. First, decide what kind of insurance coverage you are going to need.


There are different variations from state to state on the minimum insurance you must carry, so your first goal is to meet this minimum requirement. From there, you can choose what kind of coverage you need. If you have a lot of assets, liability insurance is a must.
Bodily injury liability insurance is also important, as medical bills can be expensive. General recommendations for insurance state that you should get at least $250,000 in bodily injury liability for one person injured in an accident, $500,000 for all people injured in an accident, and $100,000 in property damage liability.


When considering your insurance coverage, you should also consider other factors like how good of a driver you are and how far you have to drive for your daily commute. Once you have a general idea of what insurance will be the most important in your following policy, review your current policy to see how much you are paying and how much coverage you are already receiving.


Also, look at your driving record – if tickets you received are about to disappear from your driving record, wait a little longer to get a quote, as this will affect your insurance quotes. Look around when getting quotes; many websites offer free online quotes. To complete this task, you should have your current insurance policy, driver’s license number, and vehicle registration. Once you have gathered this information, you can compare your potential annual and monthly rates.


Call the companies as well, work out your options, and try to see if there are any discounts you might be able to receive – often, if you are a driver with few tickets, there are “good driving discounts” you can receive, and young drivers have the opportunity to use their higher grade-point averages as a discount on their insurance. Once you have selected a policy, review all the details before you sign, including what parts will be available when your car has been in an accident and how long it will take the company to pay for such damages.


Finally, once you have secured your new auto policy, you must cancel your old coverage. Remember to carry proof of your car insurance in your wallet or glove compartment, and you are good to go!

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Keep A Look Out For Car Insurance Discounts

autogirl1Make sure you look out for all the auto insurance discounts available!

Three areas of opportunities to save money that you should pay very close attention to whether you are shopping for car insurance or saving money on your current policy:

  • Driver discounts:
    • Good student, Usually 3. o higher, and full-time student.
    • safe driver,
    • defensive driver course,
    • job title
    •  age,
    • gender,
    • married.
  • Vehicle discounts:
    •  Anti-lock breaks,
    • airbag,
    • alarm systems,
    • mileage.
  • General policy discounts: Purchase early discount, good credit discount, prior insurance, homeowner, paperless.

Contact us, and we will happily review your current policy or give you a comparable quote.

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