Your Comprehensive Guide to Auto Insurance Comparison Shopping

How to Use Your Insurance Quotes for an Auto Insurance Comparison

Auto insurance comparison shopping can be tedious. Between picking the right coverage limits and choosing the best add-ons and services, there’s a lot to consider.

But having multiple quotes puts you ahead of the curve. You already have the information you need; you just need to sort through it.

Here’s how to use your quotes for an auto insurance comparison:

• Price comparison: For some people, having auto insurance that is affordable is more important than getting the best discounts or having the best features. Compare prices across all of your quotes to see who has the lowest price.
• Discount comparison: Other people value being able to save money on their auto insurance quotes. That’s why it’s a good idea to compare the discounts that are on your quotes against the discounts that are offered.
• Features comparison: Whether it’s roadside assistance or a rental car policy, comparing features is one of the most practical ways to compare auto insurance quotes. Compare the costs and limitations of any features, as well.

Of course, you’ll also want to compare your coverage limits to see how they stack up. This is arguably the most important comparison you’ll make with respect to auto insurance.

3 Factors You Need to Review in Your Auto Insurance Comparison

Since you already have several quotes to review, you just need to know what factors to compare for the most useful comparison.

1. Deductibles

A deductible is what you pay for services to your vehicle before your auto insurance will pay for damages to your vehicle. You typically have a choice in how much your deductible is going to be, so make sure you’re comparing the same deductible across all of the quotes.

If your vehicle is financed or leased, your deductible options may be limited. Some financial institutions have a maximum deductible limit to reduce their risk exposure in an accident. Check with yours to make sure your quotes are accurate.

2. Coverage Limits

If you are just getting a basic liability policy, your coverage limits will be the required $10,000 minimum for both your property damage liability and personal injury protection coverages. If you chose higher limits, you definitely want to compare your quotes to make sure the limits are the same on all of them.

A Fiorella Insurance Agent can help you choose insurance that’s right for you.

While your coverage limits make up the bulk of your auto insurance policy cost, you don’t want to skimp on these to save money if you don’t have to. Lower coverage limits put you at financial risk if you are in a serious accident and are at fault.

3. Discounts and Features

The vast majority of auto insurance companies offer some type of discount program. Discounts can include everything from having multiple vehicles on the same policy to having a student in school without access to a vehicle.

A Fiorella Insurance Agent can help you choose insurance that’s right for you.

If you want a rental car policy with your insurance, make sure it’s on all of your quotes before you compare them. This will give you an accurate reflection of the true costs you need to compare. You also want to compare any other services you have added to your policy.

How an Auto Insurance Comparison Can Save You Money

Auto insurance comparison shopping is one of the best ways to save money on your car insurance. In fact, it’s never a good idea to just go with the first auto insurance quote you receive. You want to take your time comparing the costs if you want to save money.

After you’ve figured out that all of your auto insurance quotes have nearly identical limits and features, you’ll be able to compare them to see how you can save money.

Here’s how you can save money using an auto insurance comparison:

• Auto insurance comparison shopping gives the opportunity to find gaps in your coverage or scale back in areas where you’re over-covered.
• An auto insurance comparison will show you where you are saving money on discounts and give you an idea of ways to maximize the discounts you’re getting.
• Doing an auto insurance comparison gives you a chance to compare prices for different coverage limits and add-on services or features.

You want to spend some extra time sitting down with your auto insurance quotes if you really want to save money. There’s no better way to ensure you’re paying the most affordable price for the best coverage limits and features.

Start Auto Insurance Comparison Shopping Today

Now that you know what you need to compare in your auto insurance quotes, you can confidently sit down and find ways to maximize your savings. You’ll have a clear picture of your financial goals with respect to getting in a serious car accident, and you will know you are getting the best you can afford.

You can also consider working with a Fiorella Insurance agent or broker to help you narrow down the best auto insurance quote for you. Not only will they be able to help you choose the best coverage limits for your situation, but they’ll be able to pull together a much more comprehensive comparison of your auto insurance quotes.

Need help comparing your auto insurance quotes? Contact Fiorella Insurance Agency to have an agent walk you through your auto insurance quotes and get you the best policy for your needs.