Comparing Auto Insurance Quotes

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When you start to look for car insurance quotes it is very important to understand that in order to accurately compare and save on insurance you must get similar quotes from every insurer you approach. In order to get the best price possible, you simply must approach a number of different carriers but many will attempt to change your coverage limits or deductibles in order to make their quotes seem lower than the ones offered by their competitors. Here are a few things to consider as you look for and compare car insurance quotes.

Compare Apples to Apples

Never ask one insurance company to give you a quote for limits that are different than the ones you’ve requested from another company. The best way to compare and save money on car insurance is to compare similar quotes first. Then, if you want to make changes, you’ll already have an idea of which carrier offers the most competitive rates. Make sure your quotes including the following:

• The exact same bodily injury and property damage liability limits;
• The exact same uninsured and/or underinsured motorist coverage limits;
• The exact same Personal Injury Protection (PIP) or medical payment limits; and
• If applicable, the exact same deductibles for comprehensive and collision coverage.

It is important to look for auto insurance quotes from carriers who are willing to give you the coverage options you ask for. If, for example, the company quoting you gives you a higher comprehensive or collision deductible your premium will be lower but the amount you have to pay out of pocket if you have an accident will be higher – a situation you definitely want to avoid.

Consider Carrier Rating Practices

Consider whether or not you are looking for car insurance quotes from companies that determine your premiums based upon your credit score. What will you do if your credit score changes but everything else remains the same? Will your premiums increase the following year based solely on your financial status? Make sure you ask if your credit score was used to determine your rates. You may, if possible, want to stick with a carrier that does not use credit ratings to determine premiums.

Our site can help you compare and save on automobile insurance. All you have to do is enter your zip code or select you state to get started. Within minutes you’ll be presented with a number of insurance options from some of the highest rated carriers in the country. You’re bound to find an affordable alternative to the coverage you have now!

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