Buying auto insurance isn’t at the top of anyone’s list of â˜Favorite Things To Do’; and for good reason. You can spend hours on the phone shopping around, and the premium you wind up paying isn’t something to jump and shout for joy over. Still, you need to shop around and get those quotes in order to get the best deal on auto insurance coverage. Here’s the wisest way to get full coverage auto insurance quotes no matter what state you live in.
Know What You Want And What You Get
The best way to shop for any auto insurance coverage is to know what you want before you begin shopping around. This takes all of the guess work out of it, and helps you from being persuaded by the insurance agent to take out coverage you really don’t want or necessarily need. First, understand what full coverage is and what it actually covers, because of course, it doesn’t actually cover everything.
Most often, the term â˜full coverage’ refers to a policy that includes any state-mandated coverage in conjunction with collision and comprehensive coverage. Many consumers unknowingly believe that full coverage covers any, and all, damages incurred in an accident. This isn’t true. For instance, not all states require you to have uninsured or underinsured motorist coverage as part of their minimum requirements; it may not be included in the full coverage quote you get, either.
The best way to understand what the coverage options are, and what they cover is to go online and read about each one. This is important because full coverage isn’t the same thing among all insurance providers. Once you understand what full coverage means in your state you can start shopping around.
Get Multiple Quotes
The wisest way to buy full coverage auto insurance is to get multiple quotes and compare them with each other. The trick to this is to make sure that each quote is for the same type and amount of insurance. If they aren’t, you won’t be getting an accurate feel for what the best offer is.
Don’t be afraid to let the auto insurance agents you speak with know that you’ve contacted other carriers. Bottom lineâ”they want your business, and knowing that they are up against other insurance companies gets their competitive juices flowing. Also, if they start trying to convince you to take out additional coverage, or a higher amount of coverage, hold your ground, and stand firm with what you want.
Discounts & Deductibles
A few more ways to shop wisely for full coverage auto insurance is to ask if there are any discounts you qualify for. Also, see if you can take out a higher deductible amount. This should bring down the cost of your monthly premium. A higher deductible isn’t necessarily a bad thing and here’s why:
Many drivers never wind up being involved in an auto accident which means they never end up having to pay a deductible anyway. And, even if they should be involved in an accident, there’s a good chance the amount of money they saved on their annual premiums will still be less than the additional amount they’ll have to pay with a higher deductible.
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