Finding the right insurance coverage for the best price can be an overwhelming task.
Consumers could spend days calling companies to obtain quotes.
The internet has now made this research easier by offering car insurance recommendation services.
The consumer can now gather quotes from companies across the nation and not just in their local vicinity.
Using the internet, consumers receive quotes from multiple companies by simply entering their zip code and state.
Forms will then appear requesting information such as name, address, vehicles to be insured, birth date, marital status, and current policy information.
Once submitted, rates from several companies will be presented.
When speaking with insurance agents, it is important to be prepared in order to know what questions to ask.
Decide what coverage is preferred such as just liability protection or full coverage of liability, comprehensive, and collision.
Opting for a higher deductible will lower premiums.
Towing and rental car coverage are optional and will cost extra.
Teenage drivers will also increase rates.
There are several discounts given by companies if the insured qualifies.
Discounts are given for multi-coverage such as multiple vehicles or a vehicle and home, car pooling, low mileage driven, good school grades of the teenage driver, vehicle safety features such as seat belts and airbags, and completed driving courses.
Most companies will also lower rates once the insured reaches 18 and 25 years of age.
It is also important to have a good driving record.
If the driver's history shows numerous traffic violations, speeding tickets, accidents, DUI, or a revoked or suspended license, insurance rates can be higher than the driver with a clean record.
An SR22 certification will also increase premiums if it is required.
Some companies will also discount coverage if the insured is accident free for a specified period of time.
Other factors that influence quotes include where the insured resides.
Coverage will be higher if the insured lives in a highly populated or high crime area since there is an increased potential for damage or theft.
It is also more favorable if the insured vehicle is parked in a garage and not on the street.
Comparison shopping can be tedious and frustrating.
Online car insurance recommendation services have made it faster and less complicated to obtain these quotes.
Whether the consumer is obtaining this information online or by calling local agents, it is important to understand the basics of insurance to make smart decisions.