Here’s What to Look for When Comparing Car Insurance Quotes

We get it — car insurance shopping probably isn’t at the top of your fun-things-to-do list. Even now that comparing quotes is just a click away, it can still be a challenge. That’s where we come in. We want to empower you to make the best comparisons and the best decisions.

While price is definitely important, it’s crucial to look at every aspect of a policy. So here’s your guide to everything you should consider when shopping for car insurance. Because knowing what to look for makes the right policy easier to find.

Coverage. Just like most things you buy, when it comes to insurance, you get what you pay for. In most cases, the cheapest policy offers the least amount of coverage, which means if you have an accident, you have the least amount of financial protection. So when it comes time to compare policies, go through the individual coverages of each and make sure you’re getting the most you can with your budget.

Price. Instead of only looking at overall price, it’s important to take a close look at what goes into that final number. Many coverages include a deductible, which is the amount you’ll pay before that coverage can kick in. The higher your deductible, the lower your premium and vice versa.

Limits are also worth a look. The higher your coverage limit, the more financial protection you’ll have, but, the higher your premium will be.

Many insurance companies also offer discounts on policies, but it’s important to read the fine print. Some discounts have limits and lifespans, and can flex depending on your location. Read through each discount you’re offered, that way you’ll have a clear picture of each company’s discounts and how you can best take advantage of them.

Companies. Car insurance goes beyond quotes, it’s about the insurance company too. It’s important the company is reputable and has good reviews. Check out your state’s department of insurance (DOI) website for insight into complaints and check out established rankings like J.D. Power and Associates to compare the strength of a variety of companies.

And last but certainly not least, think about what you want from an insurance company. Do they have great customer service? Cutting edge technology? 24/7 claims service? Do your research before you zero on price.

Now that you know how to compare auto insurance quotes, get out there and start exploring your options! And as always, American Family is ready to help answer any questions along the way.


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Related Topics: Understanding Insurance