How Do You Compare Car Insurance?


Quick Answer

Compare car insurance by obtaining at least three quotes, reviewing the minimum coverage provided by each liability policy and comparing each deductible, according to Allstate. Consider policies that offer protection against uninsured motorists, and compare the available discounts each company offers. Before deciding on one company, decide which features matter to you most, suggests ConsumerAffairs.

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How Do You Compare Car Insurance?
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Full Answer

Understand all of the exceptions companies place on payouts, suggests ConsumerAffairs. These can include not paying for uninsured motorists, damage from natural disasters and theft. Read each policy carefully to make sure the policy fits your needs. Other items to research when comparing insurance companies include if they require the use of certain repair companies, if they only cover cheaper replacement parts and equipment instead of manufacturer parts, and how quickly the insurer covers repairs.

When comparing overall costs consider monthly premium payments, deductibles and coverage factors, such as whether the company reviews driving records and credit history, advises ConsumerAffairs. Some companies offer add-ons to primary coverage plans. This optional coverage could include collision coverage, uninsured motorist protection or comprehensive coverage, which insures you against natural disasters or animal-related accidents.

To conduct fair comparisons, compare policies with the same or similar coverage, overall costs and terms, notes Esurance. Consider doing some research on your state's department of insurance website to review complaints, and don't forget about simple convenience, such as hours of operation, ease of customer service interaction and availability of mobile applications.

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