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Things to Know When Shopping for Car Insurance Online

Purchasing car insurance is more convenient thanks to online auto insurance websites. Nowadays, looking for the
best car insurance for you is as easy as buying goods from online stores. To help you go through the process,
here are helpful tips to remember:

Have your vehicle and personal information ready
Whether you're purchasing car insurance from an agent or requesting for a car quote online, you will need to
provide both personal and vehicle information for the insurer to give the most accurate quote.

Personal Information
Insurers use personal information to help determine your auto policy premium rate. Providing this information
facilitates faster processing of price quote requests.

Some information usually required are:
Your address - This helps determine your vehicle's exposure to risks specific to your area
Your age and gender - This helps indicate your driving experience level and your risk for serious accidents
Your social security number - This is your official identification
Your driver's license number - This is to ensure that you are a licensed driver.

Vehicle Information
Beyond your personal information, details about the vehicle you wish to insure will be requested too. Some of the
information needed are:
Your car's make, model and VIN (vehicle identification number) number.
Car's odometer (mileage) reading
Details on security features like GPS anti-theft devices, car alarms, and anti-lock brakes
Your driving history that shows average miles driven in a specific time-period and details on any violations and
accidents

Ensure that all information provided are accurate to guarantee that the appropriate auto-insurance coverage is
quoted for you.

Compare coverages
When thinking of purchasing auto insurance, it's a good idea to research and learn more about coverages to see
what type of assurance you would require for most-likely-to-occur situations. Know also what price range you're
willing to work with.

To know which coverage and how much insurance you need, you first have to review your state's requirements.
Each state has specific laws for how much insurance a person must have. Make sure you know the minimum
requirement and research on what most people have in your state.

After the minimum requirement is determined, read up on some of the common coverages that may be offered with
your quote:

Liability coverage - This coverage helps pay for bodily injury and property damages from the accident

Collision coverage - This coverage helps pay for car repair for damages done to your car after a collision

Comprehensive coverage - This coverage helps pay for car repairs for damages to your car caused by a collision,
theft, fire or vandalism.

Medical Payments coverage - This coverage helps pay for medical expenses incurred by you, your passengers
regardless of who's at fault in the accident

Uninsured/Underinsured motorist coverage - This coverage could help pay for damages caused by an uninsured /
underinsured driver

Premiums, Limits, and Deductibles

Premiums
Your car insurance premium is the amount of money that you have to regularly pay for your insurance policy to
stay in force. Once an accident happens and a claim is filed, the insurance company should cover the liability as
indicated in the policy contract.

Your insurance premium would depend on a variety of things: personal and vehicular information as discussed
above and the type of coverage you want.

Car Insurance Limits
Limits refer to the maximum amount that your insurance will pay after an accident. For example, if your coverage
limit is $10,000 and your accident ends up costing $13,000, the insurance will cover $10,000 and you need to
settle the additional $3,000 that isn't covered.
The higher the policy limit, the higher auto insurance premium will be.

Car Insurance Deductible
The deductible is the amount that you have to pay out of pocket for a claim before your insurance coverage kicks
in.

In the example above, you have a deductible of $1,000. This means that you will have to cash out the first $1,000
and the insurer will cover the $10,000 as provided for in the policy. The remaining $2,000 will have to be settled
personally.

Deductibles are reverse of limits in costing. The higher the deductible, the lower the premium payment will be.

These are some of the things you should know when purchasing car insurance. These will help you understand the
quotes presented to you. It is still recommended to first compare auto insurance quotes online and have
face-to-face meetings with an insurance agent before purchasing a policy. Agents can provide quick answers to
any questions you might have on your policy.
How to Get the Most Accurate Auto Insurance Quotes Online

The car insurance quote you get may not [match|reflect] what you are actually charged when you buy your policy.
Often, this disconnect is due to factors beyond your control. But there are things you can do to ensure that the
quote will reflect the actual cost of the policy.

Before you start looking for auto insurance quotes online, you should [decide|determine] what coverage you need.
The basic coverage types are:

Liability insurance. This will pay the other party's costs in an accident that was your fault. The types of liability
coverage available are bodily injury and property damage. Bodily injury liability covers the medical costs of the
people in the other car. Property damage liability covers the repair costs of the other vehicle.

Almost every state requires car owners to have liability insurance. They also set minimum requirements for
coverage. But you may want to get coverage higher than these minimums since you will be liable if there is not
enough insurance to cover all the other party's costs. The court may seize your assets to pay for the remainder.

Collision insurance. This policy is intended to pay for car repairs in an accident. If you have a car loan, the lender
will usually require you to carry collision insurance.

Comprehensive insurance. This policy covers damage to your car incurred from causes other than an accident. If
you have already paid off your car loan, you may not need this type of coverage.

You may also consider uninsured or underinsured coverage. This will pay for your medical and car repair costs if
the other party does not have sufficient insurance to cover them.

Now, you have to decide how much car insurance you can afford. For instance, if you choose a higher| deductible,
you can get lower premiums. But, do you have enough money to cover the deductible in case you make a claim?
Can you save enough from the lower premiums?

When you are asking for auto insurance quotes, make sure that you honestly disclose your driving history. If you
have received tickets or been in an accident, the company will give you a higher quote. Don't try to hide your
history since car insurance companies will find out anyway.

In addition, take into account any recent life changes you have undergone. These can also have an effect on your
rates. For instance, if you have just become a parent, the insurance company may give you a lower auto insurance
quote since they will assume that you are a safer driver. On the other hand, if you have moved to a neighborhood
farther from your workplace, you may have higher rates. This is because insurers assume that your longer
commute exposes you to greater your chances of figuring in an accident.

Finally, make sure that you get at least four quotes to more accurately compare auto insurance providers. Also,
provide the most complete information on the forms. The information you should prepare includes your annual
mileage driven, model, year and make of your car, what anti-theft and security devices you have installed, your
driving history and your occupation. The more detailed the information you provide, the more accurate the auto
insurance quotes you will receive.