Everything You Need for 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. Keeping these things on hand will make your search for quotes go more quickly:
* Your cars title or registration. To get accurate quotes, youll need information about your cars year, make, and model, among other details.
* Your current insurance policy, if you have one. Your current policy will list your level of coverage, as well as what safety features your car has and some of the deductions you qualify for. All this information will help in getting uniform car insurance quotes.
* A list of major insurance companies in your region. Note that this is a list of COMPANIES, not a list of AGENTS. Often, agents resell insurance from a larger company, so you may end up accidentally requesting six different quotes from six different agents who all represent the same insurance company. To save your time and the agents time, find out at the outset of your call which company each agent represents. Request car insurance quotes only from agents whose companies havent yet given you a quote.
* 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. Comprehensive? Collision? Insurance against uninsured drivers? Knowing what you need will save a lot of floundering early in the process.
* 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. Speed the process along by starting online, where insurance sites will send the data from a single form to dozens of agents, netting you dozens of car insurance quotes for a fraction of the time it would take to call each agent individually. Then, when you have an idea of what the market looks like, refine your search by 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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