Shopping for car insurance should not take too long. You can spend an hour browsing the web for insurance companies and their products. Checking auto insurance websites, which appear during your search, one by one is the first thing to do. The good thing about online auto insurance shopping is that you can see quotes and make comparisons right away. Some insurance companies do not provide quotes via their website though.
Quotes may not be readily available and may take more than ten minutes to produce. The advantage of obtaining quotes may be worth the time spent on waiting. Since you will be asking quotes from several companies, it would be wise to devote an hour or so to auto insurance policy search. If you are lucky, you may find a company that offers the insurance coverage you need at the lowest price. So, you may spend several minutes waiting for quotes to find one that would allow you to save hundreds of dollars a year.
What if the website does not display quotes? If the website does not provide you with instant quotes and you are interested in at least one of its insurance products, contact the website’s customer support. If a chat support is available, talk to the representative or agent and ask for quotes. If not, email them.
Once you have obtained quotes, print them, unless you can spend all the time glancing at the computer screen, examining quotes of various types of coverage from different companies. Take note of monthly premiums and make yearly computations. Compare quotes of different types of coverage offered by a company. Then, compare quotes of the same coverage among different companies.
Save contact number of each prospective insurer so that you can phone them anytime you need to ask questions or clarify things.
Some questions you might want to ask are about the payment schemes, due dates, available payment plans, and consequences of late payments. Note that answers to these questions are sometimes not stated on their websites.
This is why it is recommended to have your phone with you all the time, because you cannot always stay online. An insurer may contact you via phone, or you may need to contact an insurer (particularly the one that did not provide you with quotes when you made your online search).
Keep an eye on discounts, by the way. It is a good thing to explore chances at getting cheap car insurance that offers a reasonable amount of coverage. You can avail of discounts if you have a good driving record, if your car is equipped with advanced safety features, and if you are a light car user. Even college students may avail of discounts on auto insurance if they have good grades, for instance.
While you should be concerned with the cost of insurance, also take time to look at the reputation of an insurer. What are the frequent feedbacks of consumers regarding an insurance company? How does the insurance firm process a policy holder’s claim? What are the feedbacks of policy holders regarding the insurer’s customer service? Now, make sure you read reviews about the insurer before signing up to a policy.