Shopping around for auto insurance is the best way to make sure you are getting the best deal. But not every agent or insurance company quotes in the same way. When you begin to call around for quotes, it's important to have your current policy information ready. The coverage you have now will play a roll in how other carriers will rate a new policy for you. If you are unable to communicate your current liability limits, the agent might assume you have minimal coverage. As a result, the rates you will be given may not be the best price you qualify for.

It’s important to be sure you are comparing apples to apples when you compare auto insurance quotes to ensure that you are getting a great deal. When you read over an auto insurance quote (and do read it—ask for it to be emailed to you, as mistakes can be made over the phone!) look to be sure that the numbers listed for liability, property damage, uninsured motorist coverage, and the comprehensive and collision deductibles match up. Then look for additional coverages that are listed on the quote, such as roadside assistance. Make sure that all of the quotes you compare list exactly the same coverage, for accurate comparison. You'll want to check the policy term as well. The price might look like a great deal until you realize it is for six months instead of twelve. The policy effective date should also be checked. Many carriers give a discount for quoting your policy ten days or more before the effective date.

Take a look at the discounts as well. Compare the discounts listed on the quote to those listed on your policy. Are any missing? Are there discounts listed that should not be? There are many companies to choose from and each offers a variety of discount options; not all discounts will be available from every carrier. The best thing to do is to compare which discounts you do qualify for, with each company, to help determine who is offering the best discounts. Be on the lookout for discounts that don’t actually apply to you and will likely be removed by underwriting after you accept the policy.

A good quote will be simple, straight-forward, and easy to read. It will outline all of the coverage included in the quote and apply only those discounts for which you truly qualify. An inaccurately low rate in the quote won’t do you much good if it changes once you accept the policy. We seek to gather all pertinent information in order to give you the most accurate quote for your needs. Contact us for a quote today!