What Car Insurance Should I Get?
Once you buy a car (or when you are about to) the immediate concern of keeping such important asset protected pops up. Finding the right policy that not only meets your needs but also does so at an affordable price range can be a daunting proposition. And yet, is something that every car owner has to go through for peace of mind.
With so many different options in coverages, price tags, and unique features and protections, it is not surprising that you find yourself asking “What car insurance should I get?”
The truth is, nobody can point you to a company or a policy and tell you “There, XYZ’s the one for you.” Because insurance policies vary so much from person to person, and even a company that offers a fantastic coverage to a friend or family member, might have tighter restrictions and higher fees for your particular situation.
Even though I can’t point you into a single direction and immediately solve your car insurance woes, I can give you a set of tips and tools you can quickly implement in order to select the appropriate car insurance policy for your particular needs. This will hopefully make the whole process simpler and more manageable.
What car insurance should I get? – Step by Step
Step 1 – Do your homework:
When you need to do groceries, you first check around your kitchen and come out with a list of things you definitively need to buy on your trip.Then, if you happen to see something on the supermarket you hadn’t thought of, but you certainly need, you add it to the cart.
In some ways, buying car insurance is no different. You need to have at least an idea of what you definitively want included in your policy before you start knocking on companies’ doors “to see what they offer.” Overlooking this process is an excellent way to end up overpaying or purchasing unnecessary coverages.
Sit down with a pen and paper and make a list of the coverages you want to have. Know your state’s minimum requirements for liability auto insurance, then study what additional coverages you might want to include and could probably afford. Consider your driving history (if any) and habits, driving conditions, commute time, if your regular parking places are usually safe. By giving these things some thought, you can determine the types of coverages you want to prioritize and most importantly, which ones you definitively want to avoid.
Step 2 – Do the math:
I’d say that, if you want to save money on car insurance, this is the most crucial step. You need a solid grasp on where you stand financially and determine the bottom line of how much you can afford in car insurance. People who don’t do this ahead of time tend to get carried away once they start going through insurance quotes and talking to insurance brokers. This, more often than not, have them overpaying or paying for stuff they don´t actually need.
Know ahead of time what you can afford, and work to find policies and quotes that include the services you want, at the prices you can pay, not the other way around.
Step 3 – You need to kiss a lot of frogs:
Finally, if you are genuinely interested in finding the best car insurance for you, you need to shop around and get as many insurance quotes as possible.
As I mentioned above, policy prices vary significantly from company to company, and from person to person. A particular metric that bumps your premium payments with one company might not be even considered by another insurer.So, the only way to find the best price is by comparing as many insurance quotes from as many different sources as you possibly can.
This used to be a major pain since you had to either employ a freelance broker to do the legwork for you (which meant spending more money) or go through the whole process of contacting a bunch of companies yourself which could be incredibly time-consuming.
Fortunately, this is one of the many things the Internet has fixed for you. Today there are a lot of online resources you can (and should) use that help you compare hundreds of quotes with minimal effort, making sure you get the best possible deal in your area.
Buying car insurance can get very daunting very quickly if you are not paying attention.But if you find yourself swimming in options and potential quotes, asking yourself “What car insurance quotes should I get?” just go back to the basics and run the points on this guide.