Here is a guide on how to buy car insurance for the first time. If you are getting your first car on the road and looking to insure it, here are the things you need to consider when shopping around for car insurance. This is a car insurance guide for someone who is looking to learn how to buy car insurance for the first time!
Car Insurance Guide | How To Buy Car Insurance
The first thing to consider when buying car insurance is what you are looking for in an insurer. Are you looking for the cheapest possible insurance? Are you looking for the best coverage available? Are you looking for the best possible customer service record? Consider that most local agents are better with submitting claims but are usually more expensive. Online based national insurers are usually cheaper but the process of submitting a claim may be more difficult.
The second thing to consider when buying car insurance is what the current and past customers think. You want to evaluate three to five insurers on their complaint versus satisfaction history. You can usually find annual reports on licensed insurers in your state. Check JD Powers & Associates, Consumer Reports and talk to your friends.
The third thing to consider when buying car insurance is what the quote is for the coverage. You want to get quotes from multiple insurers that meet your criteria. In order to do this, they will likely need your SSN, License, VIN, Accident/Violation History, Mileage Habits and any special memberships.
The fourth and final thing to consider when buying car insurance is what discounts are available and can you negotiate. Once you decided on what you are looking for in an insurer, what the current and past customer think and what the price ranges are of your short list it is time to negotiate. Ask the insurers what discounts are available. When you have multiple quotes in front of you, you have leverage.
Here are some of the discounts typically offered by car insurers:
Good Driver, Multi Policy, Married Couple, Student, Advanced Safety Features, Low Mileage, Multi Vehicle, Profession or Organization. Defensive Driving, Lump Payment, Customer Loyalty and Low Emission Discount.
This is the basic guide of how to buy car insurance for the first time! If you follow these steps, you can get the best quality insurance available at the cheapest price.
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Here’s a fun animated video we made for our friends at Rough Notes magazine. What better way to explain to teens the importance of car insurance and safe driving than a video?
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