{"id":14440,"date":"2024-03-20T15:02:42","date_gmt":"2024-03-20T09:32:42","guid":{"rendered":"https:\/\/lalrp.org\/?p=14440"},"modified":"2024-03-20T15:02:42","modified_gmt":"2024-03-20T09:32:42","slug":"how-to-compare-car-insurance-rates","status":"publish","type":"post","link":"https:\/\/lalrp.org\/online-colleges\/how-to-compare-car-insurance-rates\/","title":{"rendered":"How to compare car insurance rates"},"content":{"rendered":"
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First, every car insurance quote you receive should be free \u2014 whether it\u2019s from Geico, Farmers or a small insurer you\u2019ve never heard of. Some auto insurers require a down payment to start your policy, but whether you\u2019re comparing car insurance rates online or with an agent, a simple estimate should always be free of charge.<\/span><\/p>\n<\/div>\n

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You\u2019ll likely see the terms \u201cquote,\u201d \u201crate\u201d and \u201cpremium\u201d used to describe how much you\u2019ll pay for car insurance. <\/span><\/p>\n<\/div>\n

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A <\/span>quote<\/span> is an estimated price based on information you provide, like your age and driving history; you can get them online, over the phone or through an agent.<\/span><\/p>\n<\/div>\n<\/div>\n

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A<\/span> rate<\/span> is the adjusted price you get after an insurer uses their top-secret pricing model to personalize your policy.<\/span><\/p>\n<\/div>\n<\/div>\n

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A <\/span>premium<\/span> is the actual price you\u2019ll pay for a policy.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n

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1. Gather your information<\/span><\/h3>\n<\/div>\n
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To quickly and easily compare car insurance online, you should have the following on hand:<\/span><\/p>\n<\/div>\n

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Personal information<\/span>,<\/span> which includes the address, date of birth, occupation, driver\u2019s license and marital status of everyone you want included on the policy.<\/span><\/p>\n<\/div>\n

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Vehicle information<\/span>, including the mileage, date of purchase and vehicle identification number (VIN) for each car. If you haven\u2019t purchased the car yet, have mileage, make, model and year handy.<\/span><\/p>\n<\/div>\n

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Driving history<\/span>, including all claims, violations and tickets you\u2019ve had over the past five years, plus any completed driving courses.<\/span><\/p>\n<\/div>\n

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Current or previous insurer\u2019s name<\/span> for anyone on the policy or in your household. Some insurers won\u2019t cover you without some coverage history, and if you want to exclude anyone living with you from the policy, you\u2019ll need to prove they\u2019re covered elsewhere.<\/span><\/p>\n<\/div>\n

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2. Choose the right liability car insurance coverage levels<\/span><\/h3>\n<\/div>\n
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Auto insurance is financial protection, not just for the investment you made when you bought or leased your car. After a really serious accident, bills for property damage and injuries can easily reach into hundreds of thousands of dollars.<\/span>