Shopping around for auto insurance allows you to find many prices for similar policies. But just HOW similar is the important question – so be sure to ask it. The seemingly smallest details in a policy can mean the difference between “No worries. That’s covered.” And “Oh, sorry…”.
So while comparison shopping might be a great way to ensure that you are not overpaying or are underinsured – comparing apples to apples (and knowing about any and all little differences) is extremely important BEFORE you decide on a policy that is right for you.
When considering an auto insurance policy you want to get the best coverage for the least possible price. That’s just common sense. But beware of ‘price creep’ when being quoted. Make sure all agents vying for your business have the exact same information – up-front. Seemingly minor details can cause big changes such as… The cost may be determined by how many drivers you want to insure, their ages and also the number of vehicles. Each company you contact will take into consideration if there have been any accidents or claims against your driving record when quoting a price for coverage.
Another thing to consider when comparing insurance policies is where you live (due to rates of auto theft, hazardous driving instances per capita, etc.). So if you get quotes over the phone from national vendors be sure they have your zip code early in the conversation.
There are many factors to consider when comparing auto insurance policies. By doing this you will be getting the best coverage you need for each driver and vehicle that you want to insure.