Get a Quote
Getting a car insurance quote is the best way to shop for coverage and compare rates. The process is quick and easy, and you can start a policy online in minutes. It can also help you get a cheaper rate than buying over the phone.
The first step in getting a quote is to gather some basic information about yourself and your vehicle. This includes your driving record, your insurance history and your credit score. It’s also a good idea to get a copy of your current auto insurance policy so you can see what kind of coverage it offers.
Once you have this information, you can use a car insurance comparison tool like The Zebra to input your data once and get quotes from several top insurers in your area. Some providers even offer discounts that can lower your premiums, so it’s worth comparing the prices.
Another factor that affects your auto insurance costs is the type of vehicle you drive and your driving habits. Cheaper cars tend to cost less to insure, while expensive vehicles and drivers who have a history of accidents or traffic violations can raise your rates.
You’ll also want to decide what types of car insurance coverage you need and how much of it you should buy. This can be done through an agent or by completing an online form on an insurance company’s website.
A basic level of liability insurance is mandatory in most states and protects you financially if you cause an accident that results in someone else’s injury or property damage. You can also purchase a higher amount of liability insurance than the minimum required by your state for better protection.
For example, a higher limit could save you money in the long run by avoiding high medical bills and repair costs if your car is totaled in an accident. You can also purchase collision and comprehensive coverage, which will reimburse you for damage to your car when you’re at fault in an accident.
When requesting quotes, be sure to compare policies with similar amounts of liability and collision and comprehensive coverage, and with comparable deductibles. You may also wish to consider adding personal injury protection (PIP) and uninsured motorist coverage, which can pay for your own medical expenses if you’re involved in an accident with an uninsured driver.