About Auto Insurance
Auto insurance lends itself nicely to online evaluation and purchase for several reasons:
- You can fill out one secure auto insurance application at a comparison site, at your convenience, and get quotes from multiple providers. This saves you both time and money.
- You can revisit your account at any time, without entering all your information again, to make sure you are still getting the lowest price coverage for your needs.
- Auto insurance rates are regulated, so the quotes you receive online from a comparison site will be the same as if you called the company directly, or went to an offline agent.
Auto Insurance Coverage Information
Most auto insurance policies are comprised of a variety of coverages, to protect the insured from damage to the car, occupants of the car, or uninsured motorists.
How to Save on Auto Insurance
Every insurance company looks at the same risks differently, which is why it is so important to compare policies from a number of companies so that you pay the least amount possible for the coverage you want.
However, there are a number of things you can do that may result in lower quotes across the board:
- If you have more than one car, put them all on the same policy
- If you own a home, have your homeowners and auto policies with the same insurance company
- Take a defensive driving course
- Install a car alarm or other theft-prevention devices
- Increase your policy deductibles
- Reduce your car's annual mileage and/or take public transportation to work
- Have a clean driving record (recent incidents will impact your quotes more)
- Indicate if your car has automatic seat belts, airbags and/or anti-lock brakes
- Senior citizen discounts
- Youthful driver discounts (may be available if a professional driver education course taken)
- Eliminate collision coverage on older, less valuable cars
- Review your auto insurance policy at least annually --- make sure you only have the coverage you need, and make sure there isn't a better rate out there --- the Internet makes it easy to switch