Preheader
Get A Quote
subheader Home Page



So you’ve been shopping for auto insurance and have received several quotes.  There is a variety of companies, coverages, and prices.  Which do you choose?  

A lot of people just pick the cheapest one and go with it immediately, but this can be a BIG mistake.  Let’s take a look at a few things to consider when comparing quotes.

#1 – Compare deductibles.  Review each quote and if a vehicle has comprehensive and collision coverage, look at what deductible is listed.  The deductible is the amount you will pay out of pocket before your insurance kicks in.  A higher deductible (like $1000 or $500) will result in a cheaper monthly premium.  Look and see if all of your quotes use the same deductible on each vehicle.  

#2 – Compare Liability coverage.  The liability coverage will be listed as Bodily Injury and Property Damage on your quote.  Look at the numbers and see if they are the same on each quote.  This is the total amount the policy will pay out if you cause an accident.  A higher number means more coverage and will cost slightly more.  Are all of your quotes using the same amount of liability coverage? 

#3 – Compare extras.  Next see what extras are in the policy.  Is there coverage for a rental car?  What about towing if you break down?  Does the policy forgive your first accident or offer other perks?  Make notes of all the extras for each quote.  Consider if these are things you need on your policy and make notes to ask additional questions if you aren’t sure what’s included.

Next step, get an apples to apples quote.  You can’t compare an apple to an orange right?  They’re totally different.  That’s why you only compare prices on insurance quotes that include the SAME coverage.  Call those companies back up and ask them to adjust the coverage as needed to get a better comparison. 

Also, take into account the reputation of the company you are working with.  If you’ve never heard of the insurance company, ask for information from the agent about their rating in your state and how reliable they are in paying their claims.  A few extra dollars per month can be worth it for a reputable company that you can trust. 

Have questions?  Give us a call today and let us help!  

Posted 10:16 AM  View Comments

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Home | ProductsAbout UsCompanies | Partners | Read Our Blog | Join Our Newsletter | Contact Us 
Policy Review | Policy Changes | ClaimsPayment Options | Insurance Glossary | Our Privacy Policy
  235 Pearl Nix Parkway, Suite 1-B | Gainsville, GA 30501
PH: (770) 287-9900
Powered by Insurance Website Builder

Blog
Contact Us