Three Secrets to Finding the Best Auto Insurance
The Californer/10053017

The more prepared you are to get a car insurance quote, the better rate you will obtain.

COSTA MESA, Calif. - Californer -- #1 Preparation

Know the amount of coverage you need.
Most states have auto insurance coverage requirements and if you have a loan on your car or truck, your lender may require a specific level of coverage as well. Keep in mind, you will want to get the higher amount of the two requirements. Knowing the amount will assure that your quote doesn't over or under insure you.

Know the amount of "deductible" you are comfortable with. This is the amount of money you will need to pay first, before your insurance company starts to pay for your car or truck. If you have savings and/or a good amount of available credit on your credit cards, you may want to go with a higher deductible. While a higher deductible will lower your premium, you should be comfortable paying the amount in the event of a claim.

Decide if you are going to need car rental coverage on your policy in the event your car needs to be repaired. It can sometimes take weeks or longer to repair your car if you are in an accident. Do you have someone you can borrow a car from? Can you use public transportation? Can you just pay the rental fee from savings? You will want to know this before you obtain a quote for your car insurance.

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Decide if you want windshield replacement coverage. If you do a good deal of highway driving or rural driving, you may want to consider this add-on coverage. It only takes a second for a pebble to ding your windshield and cause a crack. It can happen anytime and anywhere, but if you do a good deal of rural or highway driving, the likelihood of it happening is greater.

Decide if you are willing to bundle your insurance. This can come in several different forms. You can often get a better rate if you bundle several cars, motorcycles and/or trucks on the same policy or you can bundle your renter or home insurance with your car or truck. This will save you money on your insurance compared to having individual policies for all your vehicles and where you live.

For Tips #2 and #3, visit

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Source: SmartFinancial
Filed Under: Automotive

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