When you are in the market for car insurance, the first thing you probably think of is contacting one of those companies that you see on television with the cute and catchy ads. Whether you remember the company with the little talking gecko or the one with the guy who’s there for you ‘just in case,’ it is a good thing to know that there are dozens and dozens of other car insurance companies out there that can probably write a policy for you for significantly lower premiums. And, the best part is that you can get free car insurance quotes online so that you can compare those rates side by side before you need to purchase anything.
Have Information at Hand
Before you actually sit down at your computer to search for free car insurance quotes there are several pieces of information you will need to have at hand. Most sites have a questionnaire that you can fill out in just a few short minutes and then a number of choices should pop up. You will need your VIN (vehicle identification number), the year, make and model of your car, your State issued driver’s license number and then there will be assorted questions as to the number of miles you intend to drive daily, whether you will be using your vehicle in the line of work, whether or not other adults with licenses live in the home and other questions which could impact the actual coverage and cost of a policy.
Mandatory vs. Optional Coverage
Most states have minimal coverages and this is a good thing to know when getting free car insurance quotes. While the internet site should be able to take that into consideration when running the online search, there will be times when the quotes they bring up are not complete. Be as accurate as you can when requesting a quote so that the price you are given will be as close to accurate as possible. Once you have a quote on the mandatory coverage for your state you can begin adding optional coverages that you would like to have. Of course no-fault states would provide that as basic coverage but in all other states you will need liability at a minimum which consists of property damage and bodily injury. Optional coverages might include collision, comprehensive, roadside assistance, rental and medical payments for those injured in your vehicle.
Factors Affecting Quoted Rates
Some insurance companies as well as many states have certain regulations in place which might affect your premiums. For instance, if other drivers live in your home they may be required to be listed on your policy whether or not they will ever drive the car. This is especially true in the case of teenage drivers. Car insurance quotes will also be based on the number of accidents you have been in whether or not you were at fault. Some quotes don’t allow you to enter whether or not you have had a Defensive Driver course while others don’t provide discounts in the quote. Free car insurance quotes may not take into account discounts such as that or others that you might be able to get when having multiple policies from the same company.
Even though free car insurance quotes are easy to obtain online it is still imperative to check a few of them before finally deciding on a company. One company might offer the lowest rates but may also be marked low by consumers in the areas of customer service or in paying on valid claims. You can get free car insurance quotes online but it is up to you to investigate the company prior to signing a binder.