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How To Find The Lowest Price On Car Insurance

American Government Special Collections Reference Desk

How To Find The Lowest Price On Car Insurance

Nathan Roberson
November 24, 2012


In almost every state in the U.S., drivers are required by law to carry some form of auto insurance. In order for you to be a responsible driver, it is important that you understand the legal insurance requirements for your state. Some common state requirements include:

*Bodily Injury Liability

*Property Damage Liability

*Uninsured Motorist Coverage

At the very least, you should be carrying the minimum insurance coverage your state requires. However, many drivers choose to have much more coverage than the minimum requirement.

Whatever coverage amount you choose to have on your personal car insurance policy, you deserve to find a price that you can afford. Auto insurance has to cost something, but you shouldn't be required to pay a fortune in order to have a decent amount of coverage. Here are some things you can do to find high quality coverage with a cheap car insurance policy.

1 - Get Your Paperwork Together

Before you set out to shop for a new auto insurance policy, or attempt to get a lower rate on an existing policy, you will need to get your paperwork and vehicle information together. Most insurance companies will need to have the following documents and information before you will be able to move forward:

*Vehicle make, model, and year

*Vehicle Identification Number (VIN)

*Proof of driver's license

*Home address & telephone number

*Details on auto loan (if any)

*Current insurance policy (if interested in comparison)

With your documents in hand, you are ready to begin shopping for a good price on an insurance policy.

2 - Compare Insurance Prices

In order to find a cheap insurance rate, you will most likely want to do some comparison shopping. There are tons of different insurance companies out there, and prices can vary a lot for the exact same types of coverage. To get a good price comparison, check out insurance companies' websites and make a few phone calls. There are also some convenient resources on the internet that can help you compare insurance quotes all in one place.

When you are comparing insurance prices, make sure you are looking at the type of insurance policy you want and need for your vehicle. A good insurance policy will be affordable while providing you with the coverage you need.

3 - Modify Your Existing Auto Insurance Policy

If you don't want to start over from scratch, you might be able to reduce your costs by simply modifying your existing auto insurance policy. Speak with your insurance agent about the things you can do to lower your costs. Here are some things that you might want to consider:

*Grouping multiple insurance policies together

*Eliminating unnecessary coverage options

*Increasing your deductible

4 - Take Advantage Of Discounts

Many insurance companies offer discounts on insurance, but you might not find out about them if you don't ask. The following are some common discounts available through certain insurance companies:

*Good student discounts

*Low annual mileage discount

*Discounts for special vehicle safety features

*Discounts for drivers with a good driving record

Speak with your agent to learn about discounts that are offered through your insurance company.

By following these simple tips, you can save money by securing an affordable and quality auto insurance policy.

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Whatever coverage amount you choose to have on your personal car insurance policy, you deserve to find a price that you can afford. Auto insurance has to cost something, but you shouldn't be required to pay a fortune in order to have a decent amount of coverage. This article outlines some things you can do to find high quality coverage with a cheap car insurance policy. Visit http://www.ifaauto.com for more resources



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