Deciding how much coverage you need
General recommendations for accident liability are 50/100/25. $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability. Keep in mind, the above mentioned insurance options are for a typical motorist. If you are 'accident prone' you might want to go for more comprehensive auto insurance cover.
Research your options
If you already a few unpaid parking tickets or have had a spate of parking tickets in the past, don't apply for auto insurance straight away. Auto insurers always check past accidents and parking tickets before offering a quote, before applying for auto insurance wait till the points you have earned have disappeared. If you already have auto insurance, look through the bill and find out exactly how much you are paying for your current insurance cover. Note down how much your automobile is insured for and how much you are paying for your current automobile insurance cover.
Receiving quotes
Once you know exactly what your new insurance company has to compete with, start looking for auto insurance companies online. Don't restrict yourself to online insurance quotes only; speak to friends and family members for references as well. You can also visit websites like insurecomparequotes.com to compare quotes from various insurance companies that are located in your city or county. Don't settle for a single company and get quotes from various companies before finalising an insurance company. Auto insurance quotes vary appreciably from company to company, and you should carry out an exhaustive market survey before finalising auto insurance.
Also make sure the website you are receiving a quote from is a direct provider, most websites only offer instant quotes on behalf of a larger auto insurance company. In such cases, it is simpler to pick up the phone and get in touch with the auto insurance company directly.
Getting in touch
Once you have short listed a few companies, get in touch with each company on the phone and discuss each quote in detail. Make sure you get a copy of the quote via email or fax, and the auto insurance company has details like vehicle registration number on their file. While speaking to the salesman try and get discounts and look for a company that is offering you a 'no frills' assessment. It is important to be flexible and choose auto insurance that meets your individual requirements, chop and change to make the quote as competitive and meaningful as possible.
Article Source: http://www.insurancearticle.com
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