One of the most important aspects of comparing auto insurance quotes is making sure your quotes are all exactly the same, and this is not always an easy task. If you are currently looking for new insurance, here are some tips to help you compare the quotes you receive from different insurance companies.
Give the companies the same information
When you ask for your first quote, write everything down that the insurance company asked you and try to give the exact same information to all the companies you talk to. This includes the same details about your car, the coverage you want, and your past. If one insurance company does not ask you something the other companies asked you, bring it up and talk to them about it. If all the companies have the same information, they may be able to give you quotes that are closer in equality.
Compare the coverage amounts
After getting the quotes, the best thing to do is compare the coverage amounts. There will be listed amounts for many different aspects of coverage, and there is a chance that the amounts will not be exact. For example, the coverage for medical expenses might have different amounts on the quotes. If this is the case, the company with the lower amount of coverage should reflect this in a quote that is slightly lower.
Additionally, make sure the quotes both offer collision and comprehensive coverages if you want both. Each type of coverage is designed for different purposes, and both types are important to have. If one company is offering both and another company is offering only one of these, there should be a big difference in the costs of the policies.
Check the deductible amounts
The other vital thing to compare on the quotes is the deductible amounts. This amount refers to how much you would have to pay out of your pocket if you file a claim on your policy. Many people have deductibles of $500, but others have deductibles that are much higher than this. As you compare the quotes, be sure that they are all offering policies with equal deductible amounts, as this amount is a factor that will greatly affect the costs you pay for insurance coverage.
You can get free quotes for auto insurance from any companies you choose, and you should compare the quotes to determine which option is the best and most affordable for you.