How to Decide on Auto Insurance
- 1). Decide on the coverage levels you want. Keep in mind the value of your car and your assets. Also consider that your insurance covers others if you're at fault. Keeping higher coverages protects those people to make sure their property and medical bills are paid should you cause a serious accident.
- 2). Gather quotes from at least five auto insurance companies for the desired level. Some agents work with several insurance companies, so this saves time. Get quotes for some higher levels of coverage. You might find there isn't a lot of difference and can afford more coverage.
- 3). Compare the quotes. Make sure you're comparing identical coverages for the truest price comparison. List the companies from cheapest to most expensive.
- 4). Check the reviews for the insurers. A.M. Best rates various financial companies, including insurance companies. Ask your friends and family for their opinions. Check for complaints with the Better Business Bureau. The cheapest quote isn't always the best choice if the service is poor.
- 5). Choose the auto insurance coverages and company that best fit your needs.
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