A New Article Explains the Importance of Comparing Car Insurance Rates

LOS ANGELES, July 16, 2020 /PRNewswire-PRWeb/ -- Compare-autoinsurance.org has launched a new blog post that presents how to properly compare car insurance quotes and why it is important.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/why-drivers-should-compare-car-insurance-quotes/.

Not everyone is excited when it comes to comparing car insurance quotes, but by doing this task drivers can save a lot of money. Although insurers look at similar factors when it comes to setting rates, they use different algorithms. The same driver can get two completely different premiums from two different insurers. To find the cheapest rates, drivers should compare multiple car insurance quotes from different car insurance companies.

To properly compare car insurance quotes, drivers should do the following:

    --  Gather information. Drivers will need to fill in personal information
        such as the address, date of birth, occupation, driver's license and
        marital status of everyone they want included on the policy. They will
        also need to complete vehicle information like make, model, year,
        mileage, VIN, and data about their driving history in the last five
        years such as claims, violations, and tickets. If the drivers had
        completed driving courses, they should mention them. Furthermore, they
        will have to add the current or previous insurer's name for anyone on
        the policy or in the household.
    --  Choose the right coverage levels. Liability auto insurance protects
        policyholders from the worst-case scenario by providing a cushion
        between their assets and the amount they're on the hook for. Liability
        coverage has three parts: bodily injury liability, total bodily injury
        liability, and physical damage liability. For a 100/300/100 limits
        option, the insurer will reimburse up to $100,000 for bodily injuries
        per person the policyholder injures in a crash, up to $300,000 total for
        all bodily injuries caused by the policyholder in a crash, and up to
        $100,000 for any damage to a property caused by the policyholder. In
        some states, the policyholders will be required to get personal injury
        protection (PIP), medical payments coverage (medpay), or
        uninsured/underinsured motorist coverages.
    --  Decide if full coverage is needed. Besides liability coverage, full
        coverage contains additional policies like comprehensive and collision
        coverages. Collision pays for damage to a policyholder's vehicle in an
        at-fault accident, damage to a vehicle that hits objects like a pole or
        a fence, damage to a policyholder's vehicle that was caused by another
        driver. Comprehensive coverage pays for car theft, damage caused by
        weather like tornadoes, hailstorms, or hurricanes, fire, floods,
        explosions, falling objects, animal collisions, and vandalism.
    --  Collect as many quotes as possible and compare them. Drivers should
        compare quotes from at least two or three insurers. When comparing
        quotes drivers should also include offers from smaller local or regional
        insurers. To properly compare quotes, drivers should make sure that they
        compare quotes that each contains the same levels of liability, the same
        deductibles for full coverage, the same drivers and cars, and the same
        discounts they are eligible for.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

SOURCE Compare-autoinsurance.org