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Start with the state

When you go to purchase a plan, it's wise to consider your state laws first. Review them carefully and use them as a starting-off point.

Think long-term

It's no fun thinking about
worst-case scenarios, but
that's why we have this type of essential protection. Think about not only the short-term but also your long-term needs.

No matter where you live, you must adhere to at least a minimum standard for auto insurance. But did you know that most experts say opting for the bare minimum isn't enough?

Learn Why Your State Minimum Coverage Likely Isn't Enough

Sure, saving money is great. But there are better ways to save than by simply cutting your policy down to the bare minimum. Many providers will advertise minimum coverage as a great benefit — but have you thought about how a policy like this would affect you in the event that you're in an accident?

Closeup of car keys in hand near car

The truth is, minimum coverage will offer you only minimum protection. For example, if you have a policy that provides just $10,000 in coverage for property damage, but are in an accident and responsible for $25,000 in damage, guess who's responsible for that remaining $15,000? Yep. It's you. Now, you might be comfortable with risking that kind of expense. But you also could be quite surprised at how affordable a comprehensive policy could be.

This is one of the reasons that services like ours are recognized for such great customer assistance. By getting new car insurance online, you'll not only be getting competitive quotes from respected insurers, you'll also be able to see how much coverage you can get for the money. And that means you'll be more likely to obtain the coverage you need in the event of an accident. Instead of visiting different insurance companies on your own, on your time, you'll instead be able to work with preferred insurers when it's most convenient for you.

As you go about the process of choosing a policy, you might want to review your insured history going back five or more years. Have you filed a quote? Did you have minimum coverage or comprehensive coverage? Look at the limits of your policies from previous years and consider how much protection you need. You might want to think about raising or lowering these amounts based on not only your research, but your daily commute, your car's value and your personal comfort level with risk.

You also should remember that there are many factors that can affect your premium, including the type of vehicle you drive, your residential ZIP code, the distance of your daily commute, and even your personal credit rating. Sometimes, factors such as safety equipment in your vehicle, or your personal enrollment in a safe-driving course, can lower your respective costs. If you need to learn more, don't hesitate to ask your insurer whether there are any such discounts available for you.

If you have questions as you review your quotes, don't hesitate to consult a customer service representative. You should always read insurance proposals carefully before opening a policy.