Finding the Best Auto Insurance

Where can you find the best car insurance, how do you know that you’re getting the coverage options you need and are not paying more than you should? These are pertinent questions, and they are ones that we will address in this guide, looking at some top tips for getting the best car insurance.

1. Work with a Comparison Service

Health Insurance Hero works with a series of trusted providers who have helped thousands of Americans to save money on insurance and other financial products. It is a comparison service that uses state-of-the-art technology and works with a host of credit and insurance experts.

It should be your first port of call when you’re looking to make big savings, especially if you feel a little overwhelmed and confused by all the options at your disposal.

The process begins with a free consultation and some basic assessments, and this is followed by a number of recommendations. You are under no obligation to buy and they will be happy to address any issues that you have.

2. Consider All of Your Options

People have a tendency to stick with the companies that they know and trust. They also give a lot of weight to recommendations made by friends and family members, but just because your friend got a great price with State Farm, doesn’t mean that you will as well.

Consider all companies in your search, as the difference can be substantial.

For instance, the average annual cost of minimum coverage car insurance is just $480 for Geico and over $900 for Farmers. That’s a pretty big difference, and that’s just the average.

If you’re a young driver and/or have a bad driving record, the difference will be much greater, with some drivers charged 200% more with certain providers.

3. Don’t Focus too Much on Price

Car insurance costs an average of $1.550 a year. It’ll set you back a further $500+ a month to own and run a car, covering everything from financing and maintenance to gas and more. That’s a lot of money, and it’s important to keep those costs down at much as possible, but that doesn’t mean you should start dropping necessary coverage options.

If you drive a new car, you may need more comprehensive coverage options. If you earn a lot of money and risk being sued, consider higher limits on your bodily injury and property damage liability.

Collision insurance, comprehensive insurance, medical payments, and personal injury protection should be considered, as well. If you’re not sure which options are right for you, one of Health Insurance Hero’s trusted providers can help.

4. Revisit Your Quotes

Auto insurance quotes are based on a balance of probabilities. The younger you are, the more likely you are to be involved in an accident, and the higher your policy costs will be as a result. But it’s not just about age, driving records, and other obvious influences.

Whether you are married or single and whether you rent or own your home will also factor into the equation. As a result, it pays to update your car insurance policy every year or so. Don’t just stick with the same provider year after year—always compare policies and consider whether your changes in circumstance will reduce your premiums or improve your coverage.

Barbara C.
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