Shopping for car insurance is easy when you follow these steps.

Posted on by Forest in General, Guest Posts, Saving Money & Finances

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Today we’re posting a guest article from 21st Century Insurance that explains how to shop for car insurance and put some extra money in your pocket. 21st Century is dedicated to providing superior coverage and service, while saving you money on your auto insurance.

These days, we all could use a little extra cash in our pockets. So it’s only smart to look for ways to tighten your budget. One of the easiest ways to do that is to shop for auto insurance. It’s easy…it doesn’t take a lot of time…there’s no obligation…and you can save hundreds of dollars a year! Just follow these steps.

Step #1: Make sure you’re comparing apples to apples.

If you want to accurately compare auto insurance quotes, you need accurate information. So make sure you have the following information available before you start your quote.

* Your Current Insurance Declarations Page

– By matching your current deductibles and auto coverage limits you can be sure you’re getting the same protection.

* Vehicle Information

– Year make model and VIN

– Annual miles and distance to work

– Value of any custom or after-market equipment

– Type of alarm or theft recovery device

* Driver Information (For each household member old enough to drive)

– Drivers name, occupation, gender, number of years licensed, and Driver’s License number.

– Any accidents or violation in the past 3 years including dates, who was at fault, if someone was injured and the claim amount.

Step #2: Make sure you get more than one auto quote.

Car insurance rates vary by hundreds of dollars from one auto insurance company to the next. So if you’re only getting one quote to compare with your current policy, you may be missing out on a better deal. Get at least three quotes to be sure you’re getting a fair price.

Some website aggregates will give you an opportunity to get several quotes from a limited number of companies. But you’re better off doing it yourself. The service you get shopping is a good indicator of what you can expect if you purchase a policy.

Step #3: Don’t just pick the lowest price.

Price is important but it isn’t everything. Find out what you’re getting, what’s covered and what isn’t before you switch your policy.

– Get your quote in writing and confirm the accuracy of each vehicle and driver you are insuring.

– Make sure your deductibles and coverage limits match your current policy.

– Ask about special features, such as Emergency Roadside Assistance.

– Find out if there are additional membership or broker fees.

– Are repairs guaranteed for as long as you own your car?

– What kind of payment options are available?

Tags: auto insurance, car insurance, insurance quotes