subject: How to Compare Car Insurance Quotes Online [print this page] How to Compare Car Insurance Quotes Online
Comparing car insurance quotes online can help you get a handle on your household budget. After mortgage payments, rent and car payments, car insurance takes more of a bite out of the household budget than most other items. Depending on your driving record, the state in which you live and the use you make of your car, you may be paying far more for your insurance than you should. If you haven't done a thorough overview of your current auto insurance policy, you should take a few moments to request and compare insurance quotes online to find out how much money you could be saving.
Start by Examining Your Current Auto Insurance Coverage
Look over your current auto insurance policy to see exactly what it covers and what you're paying for the coverage. Since many insurers simply renew your current policy rather than re-examining your situation, there's a good chance that you're paying for more insurance than you need. As you review, consider any changes in your life over the past few years that may open you up for more discounts. Make note of your basic coverage, any extended coverage on your automobile, and of all the little extras that your policy includes, such as auto glass coverage, roadside assistance and rental car coverage. You'll need to know exactly which of those you want to keep when you do an auto insurance quotes comparison.
Find a Site That Allows You to Request Multiple Online Auto Insurance Quotes at Once
There are many sites that allow you to request auto insurance quotes online. Some of them allow you to select several insurers at once so that you can compare the car insurance quotes side by side. When you enter your information, be sure that you are providing the exact same information and requesting a quote for the same types of coverage. If you don't, you may find that the cheap insurance online policy you found is actually more expensive because it requires higher deductibles or doesn't cover essential items.
Submit Your Request for Car Insurance Quotes Online and Make a Side-By-Side Comparison
Don't assume that's the end though. You may be able to use the quotes you've received as leverage to get a lower car insurance rate than you're currently paying with your current insurer. Phone your insurance agent and lay out the particulars of the lowest online car insurance quote you received. Explain that you'd like to remain with your current insurer, but you really can't justify spending the extra cash each month when you can buy cheap car insurance online. In many cases, your agent will find ways to discount your current policy and offer you a better deal.
Choose Your Best Deal
Once you've gathered all of your quotes and compared them, choose the best auto insurance for your situation. In many cases, you can make your first payment online and print out your proof of insurance immediately, saving you more time and making the entire process of buying insurance online even more convenient. But keep in mind that you should keep on top of things and compare auto insurance quotes online any time you make a major change in your life so that you don't miss out on any available discounts to your auto insurance rates.
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