There are a few rules to follow when getting free auto insurance quotes. The first is to get as many as you can to compare. The second is to make sure you are comparing the same things. The third is to do a little bit of research on the company that is giving the quote.
If you already have a policy, review it. If not that is ok, this guide should help you go over the finer points to analyzing your quotes. Get out some paper, write down these questions, or copy paste this into a document, and leave space for answers.
Does the quote represent adequate coverage for my assets?
Quotes for liability usually follow a pattern like this: 50/100/25 This means in any one accident $50,000 is the max for an individual's medical coverage, $100,000 for total medical bills for any number of people in one accident, and $25,000 total for property damage. If you have little or no assets and you don't make that much income, then this should be fine. However, you should purchase auto insurance coverage that is equal to the net worth of your assets or the limit of coverage from the company. If the limit is a lot lower than your total assets then you need to carry an umbrella policy to take up the slack.
Do I need to carry PIP or under/uninsured medical coverage?
PIP is personal injury protection. Find out how much your personal medical plan will cover in the event of an auto accident. You may find if you need extensive work or rehabilitation therapy your personal medical insurance might not cover this for an auto accident, and you will need to sue for damages. If the other person has no viable assets and his policy is a minimal policy you may be paying out of pocket for your injuries; or worse yet have to forego treatment. If however your personal medical can handle such treatments, then there is no need to purchase this coverage.
Is the company credible?
Once you have your quotes research the insurance company. Price isn't everything. The company may have the cheapest quotes because they don't pay out claims. Use an online search engine to see if they have had service complaints. You're buying a service, and they should perform professionally.
Using free auto insurance quotes is a great way to save money; let us help you get started.
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