I’ve been shopping around town for some cheap car insurance policies but I’m not convinced the brokers here are giving me a good deal. Can I shop for a good policy on my own?

Kent

Beaumont, TX

Definitely! These days consumers have plenty of ways to shop for a good car insurance policy all on their own. You just have to know how and where to look. Here is a guide to help you out:

Step 1: The Basics

Before you go out and buy a policy, know the basics first. Visit your state’s department of insurance to find out about any requirements you may need to adhere to on your car insurance (e.g. state minimum liability amounts). This website can be very informative in helping you choose the right policy.

Step 2: Do Comparison Shopping Online

Use the Internet to your advantage by getting a free quote from car insurance comparison websites (like this one). You get access to the latest car insurance coverage offers and are able to compare more insurers in a quick and convenient manner. This saves time and enables you to find the best rates out there.

Step 3: Find the Best Companies

Ever heard of Moodys, J.D. Power, or A.M. Best? These are independent rating agencies that basically tell you which companies have the overall best performance in your state. Use this information to determine which car insurers you should be doing business with.

Step 4: Evaluate Your Policy

Before you sign the policy study it carefully. Pick only the coverage that suits your need. If you have excellent medical insurance consider dropping Personal Injury Protection. Lower your comprehensive coverage if you drive an old clunker. This will save you a lot of money in the long-run.

Step 5: Know Your Discounts

The great thing about car insurance is that discount options abound. You just have to find out which ones you’re eligible. Good driver discounts, safer vehicle discounts, defensive driver, and low-mileage discounts are just some of the many available.