Reader’s Question:

Hi! I have started checking for quotes from different insurance companies, but I don’t know how to compare car insurance quotes. Can you please help me?

Anna

Gladstone, MO

Hi, Anna! It’s really great that you looked for different quotations first before getting car insurance. A smart move, my friend.

Well, the first thing you should look at is the car insurance coverage. Be sure that all your quotations have the same coverage and deductibles. If there are even minor differences, be sure you are completely aware of what they are, so you won’t have to wonder where your money is going, and you exactly know what you’re paying for.

Secondly, play with the car insurance quotes that you get; try buying more coverage. If more coverage is offered with minimal premium increase, then it’ll be more economical to purchase it. Do the same thing with the deductibles.

Third, make sure that the car insurance quotations you are comparing are actual quotations and not estimates. Some company offers quick estimate of car insurance quotes. Always look or ask for the actual quotation of all the coverage you need and not merely the estimate. You can’t be sure if the given price will change due to one reason or another. Later, you might end up paying for expensive car insurance rates.

Lastly, try to compare car insurance quotes you get from agents from those you get online. Some quotes online are cheaper than direct sales insurance. They offer discounts and other perks. Online quotations also save time.