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Free Car Insurance Quotes

Free car insurance quotesAlmost all insurance companies offer free car insurance quotes to help attract new business. However, most people now go online to get free quotes. All the insurers who want to compete for these tech-savvy customers, must compete on the web or get left behind. In a recent study conducted by Hometown, 71% of all people looking to buy auto insurance start by getting quotes over the internet. For the policy shopper, this means they can compare dozens of rates in a matter of minutes, something that was not possible just 20 years ago.

There’re just a few things you need to do before you apply for a rate quote. Let’s go over the most important ones.

Choose the coverage you want before you get a free auto insurance quote

A person who fully grasps the various automobile coverage options has a real advantage when searching for the best rates. The real advantage is because he or she will not buy unnecessary options or amounts that might not be warranted. Prior to getting your custom car insurance quote, go over the major areas of a policy, including the state legal limits, so you can look for ways to save.

Choose Liability limit amounts

The core of any automobile policy is the amount of liability coverage you buy. In the event you are in an at-fault accident that causes damage to another person’s vehicle, as well as potential bodily injuries, this coverage will pay for damages up to the policy limits.

There are three primary components to liability insurance, which together combine to pay for the damage you are responsible for – after an accident you caused. You should carefully consider the amount of coverage you buy because often, accidents exceed most minimum quantities of coverage.

If you have assets over $20,000, then you should probably protect yourself and get a higher liability limit than the state mandated amount. Remember also that medical costs are rising year after year, which has resulted in even moderate vehicular accidents costing a lot. Before you get your

If you have assets over $20,000, then you should probably protect yourself and get a higher liability limit than the state mandated amount. Remember also that medical costs are rising year after year, which has resulted in even moderate vehicular accidents costing a lot. Before you get your free auto insurance quote, decide on the amount of liability coverage that is best for you.

Choose your Deductible amounts

Your deductible is simply the upfront payment, you the policyholder agree to make, when you file a claim. After this sum is deducted, your insurance will kick in for the other costs, up until the policy amount is reached. The higher the deductible amount you choose to get, the lower your premium costs will be.

For those on a tight budget, this is an excellent way to lower your insurance costs. Many people can save 15% or more by having a deductible of $1,000 to $1,500. Just remember that you need to have that amount saved up, in the event you are involved in an accident and file a claim.

Decide on Collision and Comprehensive Insurance

In most states, drivers are only required to purchase liability coverage. However, before you get an auto insurance quote online, make sure you carefully consider adding both collision and comprehensive coverage. This added protection will cost more, but will also protect you financially from many potential events.

If you decline collision coverage and the accident was undetermined as to who was at fault, you might end up having to pay for your car repairs out of your pocket. Likewise, comprehensive coverage will cover your vehicle for anything non-accident related like a robbery, water damage, hail, or vandals that spray paint your car all over. If you are leasing or financing your vehicle, your lien holder will require you to carry, usually both comprehensive and collision insurance. Get the lowest car insurance prices online in just five short minutes. Apply for your free car insurance quote now.

Don’t get Unnecessary Coverage

One of the easiest ways to save on an auto policy is to not get extra “add-ons” that you don’t need. For example, if you already have car rental coverage included in your credit card agreement, do not add that onto your car policy. If you do, you’re just throwing money away. Also, if you have towing or breakdown coverage through a service like AAA, then you do not need to buy this duplicate coverage. Make sure you carefully read your policy over completely prior to buying it.

Get all the Discounts you can

Every insurance company is in a fierce battle for your business online. Many carriers offer high discounts and promotions to try and lure customers over. Some of the most popular discount are:

* Good Driver
* Good Student
* Military
* Driver Safety Class
* Teacher
* Garage parked
* Advanced Alarms

Get your free car insurance quotes today and compare dozens of rates online in just a couple of minutes.