One of the hardest things that consumers are faced with is making a final decision on which car insurance policy to purchase. If you’ve played it right and got a couple of auto insurance quotes, you will notice that there are several quotes that will be equal or very close to being equal in price. This can make the final decision quite hard. However, below are a couple of quick tips to help you narrow down the results and make a final decision as to which policy is the right one for you.
The Insurance Company’s Record
You can’t ultimately decide on a policy unless you know the company providing it. It is important that you take the time to get acquainted with the insurance company’s track record. How do they treat their consumers? The company you’re looking to sign with should have a fairly low number of consumer complaints and should have fair prices.
The claims process is also something to consider. You may be faced with lower prices, but if the claims process is a nightmare, is it worth it to you?
Compare The Complaints
After you get your auto insurance rates, automatically knock those companies off of your list that have a high number of complaints. You can check these records on your state’s insurance department website or the National Association of Insurance Commissioner’s website.
Compare The Exact Same Coverage
The type of coverage you’re looking to get will impact the price of the policy. However, if you want to be able to accurately compare, make sure you choose the same coverage limits and create a list based on the same criteria. For example, if you have good health insurance, you can easily opt out of paying for personal injury protection. The little things can add up, and if they’re unnecessary, all the more reason to forego them.
Check For Discounts
Make sure you take advantage of any and all discounts that an insurance company may offer. For example, bundling different insurance services is already a fantastic way to save a lot of money. Depending on the company, you can also receive discounts for being a student, getting good grades or having a great driving record.
These are all things that you should inquire about however, as not all companies may give you a discount. If you also choose to raise your deductible on collision, you will also pay less money on your premiums.
Compare Optional Extras
In some cases, companies will offer extra coverage such as theft protection for an added cost. You may want to try getting a quote with these included as you could end up paying the same or a few dollars more for a better policy as opposed to another company’s bare minimum policy.
Comparing auto insurance rates always pays off. Not only do you end up getting more for your money, but you can rest assured that you’ve made an informed decision about which insurance company to sign with to get cheap auto insurance.