There are times that you have to go shopping for a new car insurance policy. You need to do this anytime you get a new car, but also probably every six or twelve months when it is time to renew your policy, and you want to find the cheapest rates. Even moving from one place to another is an excellent time to do it, as location can change your prices.
While some car insurance websites provide their quote compared to what other insurance providers would charge you, can you trust these sites? It’s unlikely they are duplicitous, but you can bet they’re tweaking a few things to make their number have good odds of looking the best. The only real way to make a car insurance quotes comparison is to do it yourself.
The first thing you have to do is get multiple quotes. Aim for at least three, but given the ease in which you can get car insurance quotes, it’s best to get at least six, or even ten quotes from every provider in your postal code.
In addition to getting all these quotes, make sure that you provide the same information to each provider, so the quotes generally represent the same kind of potential policy. While each provider will ask for different details in particular details, your needed levels of coverage, your types of coverage, and your deductible levels should stay roughly the same.
Once you have all your policy quotes, print each one out, and highlight the number quoted to you. Be sure to note if a number is a total premium or how much you would be charged each month, also noting that some providers will charge a finance charge for installment plans.
It seems ironic that you might have to go “old school” laying out a bunch of print-outs on a table to make your car insurance quotes comparison in the digital age, but it’s the only way to see which provider’s number is the best one truly.