how to get car insurance

how to get car insurance

How To Get Car Insurance

Step 1: Decide How Much Coverage You Need To find the right auto insurance, start by figuring out the amount of coverage you need. This varies from state to state, so take a moment to find out what coverage is required where you live. You will find a list of each state’s requirements and an explanation of the various types of insurance in “How Much Car Insurance Do You Need?” Also, check out “Little-Known but Important Car Insurance Issues,” which has a glossary of basic insurance terminology. If you’re a first-time driver and need a comprehensive overview of car insurance before you go on, review this guide from the National Association of Insurance Commissioners. Now you’re ready to make a list of the different types of coverage you are considering.
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How To Get Car Insurance

Get a personalized online car insurance quote in 15 minutes or less Looking for car insurance? Get a personalized auto insurance quote online today and you might save $500. Maybe you’ve heard something about saving 15% or more on your car insurance. Maybe you’re charmed by an eloquent little Gecko®. You’ll find that GEICO car insurance customers are a happy bunch. With our world-class service and speedy claims process, who can blame them? 97% Customer Satisfaction Big savings and 24/7 access to a licensed insurance agent. Become one of the satisfied. Customer satisfaction based on an independent study conducted by Alan Newman Research, 2015 “Thank you for such great customer service. Very courteous phone personnel and the website is so convenient and easy to navigate. Kudos to you GEICO!” GEICO Customer in California
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How To Get Car Insurance

Liability coverage is mandatory for car owners in 49 states and the District of Columbia, according to the Insurance Information Institute. But the amount of liability car insurance you buy is up to you. “Purchase as much coverage as you can afford,” says Tim Dodge, director of research and external communications at the Independent Insurance Agents & Brokers of New York. “This insurance covers you if you’re legally responsible for someone else’s injuries or damages. Because even seemingly minor accidents can result in costly neck or back injuries or extensive damage to a $30,000 car, it makes sense to buy a lot of liability insurance.” When you purchase only the minimum amount required by your state, your assets could be at risk if you are responsible for an accident. “Say you hit a car that is driven by a surgeon, and his hand is broken,” O’Connor says. “Your limit to cover his injuries will not even start to provide enough money. The doctor’s insurance company will come to you looking for additional money. And, depending on your state law, your 401(k) and more would be in jeopardy. Your auto limit should minimally be enough to cover your net worth.”
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How To Get Car Insurance

Even if you’ve found a good rate on car insurance, there are almost always additional options for saving more money. So why not ask? “A good insurance agent should be able to uncover every discount available to you,” O’Connor says. “There are often discounts for paying your premium in full or for having your payment drafted (from your bank account).” There are also discounts for certain types or groups of drivers. For example, there are discounts for teen drivers who take driver’s education classes or who maintain a 3.0 grade point average. Discounts are also available to older drivers — often 50 years or older — who complete adult driver safety programs. Another way to save extra money on car insurance is to bundle your policy with your homeowners insurance. “A lot of people have their auto insurance with a separate company from their homeowners insurance,” Barry says. “But almost every company will give you a discount if you have both (types of insurance) with them. So put them together.”
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How To Get Car Insurance

    Home Contact Us Site Map Website Accessibility Technical Help Privacy & Security Terms of Use Insurance Resources The #1 Insurance Site Copyright 1995 – 2017. Progressive Casualty Insurance Company. All Rights Reserved. Search / Keywords We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Mobile rates are for policies purchased directly from Progressive. *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016. †Discount varies and is not available in all states or situations **Countrywide average discount. Discount varies by state and is not available in CA. ††$50 discount available to new Progressive Direct auto customers who qualify for electronic signature and sign online. The discount applies to initial policy term only, and is not available in CA and NC. ‡National survey of new Progressive auto customers in 2015. Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA's commission. Discounts not available in all states and situations. Learn more about comparison rates , which are available from Progressive Direct® in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product and Progressive Direct’s credit evaluation, and do not include prices and products available from Progressive agents. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service. Name Your Price® is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.
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How To Get Car Insurance

Looking for car insurance? Get a personalized auto insurance quote online today and you might save $500. Maybe you’ve heard something about saving 15% or more on your car insurance. Maybe you’re charmed by an eloquent little Gecko®. You’ll find that GEICO car insurance customers are a happy bunch. With our world-class service and speedy claims process, who can blame them? 97% Customer Satisfaction Big savings and 24/7 access to a licensed insurance agent. Become one of the satisfied. Customer satisfaction based on an independent study conducted by Alan Newman Research, 2015 “Thank you for such great customer service. Very courteous phone personnel and the website is so convenient and easy to navigate. Kudos to you GEICO!” GEICO Customer in California
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How To Get Car Insurance

Step 7: Look for Discounts When you’re making these calls and shopping online, make sure you explore all your options relating to discounts. Insurance companies give discounts for such things as a good driving record, your car’s safety or security equipment and certain occupations or professional affiliations. Some companies are now offering lower rates if you enroll in “pay as you drive” plans. Some will give substantial discounts for young drivers in the family who have high grade-point averages. (You can use this as an incentive to your teen drivers and offer to share the savings with them.) Also consider using the same insurance company for home and auto policies. That will usually get you a better price. For more guidance on discounts, check out “How to Save Money on Car Insurance” and “Top 10 Ways To Lower Your Car Insurance Bill.”
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How To Get Car Insurance

Extra savings tools:Do a bit more. Save a bunch more. Plug in Snapshot®Just plug the Snapshot device into your car and tailor your rate to your driving. The safer you drive, the more you save on car insurance. See how Snapshot works Try Name Your Price Tool®Just tell us what you want to pay, and then we’ll show you a range of coverage options. We’ll ask you to try it during your quote. Use Name Your Price Home + car insuranceBundle auto with your home, renters or condo insurance and you can save an extra 5% (discount applied to your auto insurance policy).† Bundle insurance policies
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Plug in Snapshot®Just plug the Snapshot device into your car and tailor your rate to your driving. The safer you drive, the more you save on car insurance. See how Snapshot works Try Name Your Price Tool®Just tell us what you want to pay, and then we’ll show you a range of coverage options. We’ll ask you to try it during your quote. Use Name Your Price Home + car insuranceBundle auto with your home, renters or condo insurance and you can save an extra 5% (discount applied to your auto insurance policy).† Bundle insurance policies
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More automatic discounts! We offer many more built-in car insurance discounts, including safe driver, pay-in-full, multi-car, continuous insurance, etc. Just get a free auto insurance quote, answer a few questions, and we’ll automatically apply these discounts. You won’t have to do or say anything else. And you can pretty quickly rack up hundreds in savings. Easy money. Safe Driver No tickets or accidents in the last three years? Fantastic. Discount! Multi-car Got a second car or live with someone else who drives? Another discount!
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If you’re planning to purchase an auto, think about car insurance before writing a check or signing on the dotted line. Some makes and models of cars will have a greater impact on your car insurance rate, so it’s a good idea to check with an insurance agent or website before making a purchase. For instance, “Sports cars will definitely increase your rate, while a minivan is likely to have little impact,” says Michelle O’Connor of O’Connor Insurance Associates Inc. in Charlotte, N.C.

Published on Apr 4, 2017 | Under Car | By michael ellis
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