What You Need to Get Car Insurance Quotes
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by: laurawilder
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Car insurance quotes are a great money saver. Rates in your area for the same car and the same policy may vary by over $800, and theres no way to find the least expensive rates without asking around. Here are the things youll need to make your quest for quotes painless:
* Your cars title or registration. To get accurate quotes, youll need information about your cars year, make, and model, among other details.
* You cars current insurance policy. Your current policy lists the kinds of coverage you have, plus details about some of the deductions for which you qualify. This data will be a help in getting accurate car insurance quotes and in choosing the level of insurance you want for your new policy.
* A list of the auto insurers and other insurance companies in your area. Note that this is a list of COMPANIES, not a list of AGENTS. Agents frequently represent a larger company with a different name, so you may duplicate effort by requesting a quote from the same company five times without realizing it. To avoid wasting time, ask each agent which company provides his or her car insurance, and complete a query only for agents who represent companies from which you havent yet gotten car insurance quotes.
* Membership papers for any organizations or clubs of which you are a member. You may be able to get a small discount on your car insurance through a club or organization you belong to. For instance, membership in the American Automobile Association (AAA) gets you a 3% discount at many agencies. When you ask for a quote, find out which organizations have arranged a discount with the agency or company, and be ready to give your membership number so you can receive your discount.
* A general idea of what level of coverage you want. Fine tuning your coverage with the agent you choose is an excellent idea, especially since many kinds of insurance can be increased for very little, but you need to know what general level of coverage you want. Collision? Comprehensive? Glass? Rental car? Knowing the general level of coverage you want will save floundering and frustration early on.
* Patience and a sense of humor. Giving the same information to dozens of agents over and over and over again is no ones idea of a good time, but its necessary. To make the process easier, start by getting car insurance quotes online, where you can enter your data into a form once and get quotes from dozens of agents. Then, when you know which insurance companies are less expensive, take your search to the phone. Take frequent breaks so you dont get bored or lose your temper, and remember to keep a sense of humor.
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