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Simple Advice When Shopping for Auto Insurance



Shopping for Auto Insurance

There are many other things that you’d probably rather be doing than shopping for car insurance. The process of getting new insurance may sometimes feel like an uphill battle. But don’t worry. It's not as painful as you may think, as long as you come prepared. The following are some helpful tips you can follow when looking for a new policy that can help you save time and money when car insurance shopping.

Don’t procrastinate
There are many other things that you’d probably rather be doing than shopping for car insurance. The process of getting new insurance may sometimes feel like an uphill battle. But don’t worry. It’s not as painful as you may think, as long as you come prepared. The following are some helpful tips you can follow when looking for a new policy that can help you save time and money when car insurance shopping.

  • You buy a new car

  • You move

  • You change jobs

  • You add a new driver to your policy

  • Your marital status changes

  • Your salary or assets increase

Be prepared
Getting a quote for car insurance is easy. In fact, you can get an auto insurance quote online with 21st Century Insurance in less than seven minutes. Before you get started, take a few minutes to make sure you have the following information, all of which should be available on your current declarations page:

  • Year, make, model and VIN for each car you’re insuring

  • The annual mileage for each car you’re insuring

  • Name, occupation, gender, number of years licensed, and Driver’s License number

  • Information about any accidents or violations in the past three years including dates, who was at fault, if someone was injured and the claim amount

  • Listing of any safety features on the vehicle

Know what you’re getting
Find out what’s covered and what isn’t. Get your quote in writing and confirm the accuracy of each vehicle and driver you are insuring, as well as the coverages you requested. Ask about free, value-added features, such as emergency roadside assistance. Check to see if repairs are guaranteed for as long as you own your car, and find out what kind of payment options are available.

Get the discounts you deserve
To see if you’re getting credit where credit is due, it's a good idea to find out all the discounts available to you. Some simple ways to save money on your auto insurance include maintaining a clean driving record, being a good student and the inclusion of certain safety features when buying a new car can save you money on your policy.

Want to save some money - review your deductible
An additional way of saving money on your policy when shopping is to review your deductible - amount of money you have to pay toward repairs before your insurance covers the rest. A simple increase from $200 to $500 could reduce your policy premium cost. However, remember that if you end up having a claim, you would end up paying more.

Shopping for car insurance is easy when you know what you’re doing. By following these tips you can be prepared, save money and make sure you’re getting the protection you need.

Why not get a free quote from 21st Century Insurance?

Learn more about Ways To Get Affordable Auto Insurance and how to consider your lifestyle and goals for Getting the Right Coverage.

It's easy to get a free auto insurance quote and even buy a policy if you like what you see - all online at 21st.com.

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