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Making sense of
minimum coverage

We hear a lot about minimum
coverage laws, but the truth is that bare-bones coverage only provides minimum protection.

Good credit
= good insurance

Borrowers who have good
credit tend to pay less for their policies. If you're looking to save on a policy, raising your credit score can help.

Shopping for a new auto policy involves strategy. Not only do you need to purchase the right coverage, you also want to lower your costs. These tips can help you get the coverage you want.

Consider These Comparison Shopping Strategies

Insurance is a part of life for just about everyone in the country, and an expensive part at that. But there are strategies we all can employ to try to find savings on our premiums, or even our homeowners coverage. While not all these ideas might be applicable to you or your family, they can help give you ideas on how to approach your new policy.

Sunlight rays beaming on car in field.
  • Raise your deductible: Probably the most simple way to lower your insurance premium, you can find some savings by raising your deductible. Just remember that when you do this, you're also agreeing to spend more money out of pocket in the event you file a claim. It's up to you to decide whether you can afford that extra $500 or more if you're in an accident.
  • Combine policies: Most of us have multiple policies, such as auto insurance as well as homeowners or renters insurance. If you fall in this category, you might be eligible for a multi-policy discount from your insurer. Some providers offer a credit or discount to those customers who purchase more than one policy at a time. Keep this in mind as you shop for coverage.
  • Get competitive: Competition is good for business, and the Internet is making competition among insurers a benefit for consumers. Through our service you can receive competitive quotes from multiple providers at once, and compare and contrast the quotes to determine which one is best for you. To get started, be sure to fill out our informational questionnaire. We partner with some of the most respected and well established insurers in the nation, so you can feel confident that you're getting a reliable and comprehensive quote along with exceptional customer service.
  • Prepare for the future: Parents who have teenagers need to be prepared for the day when their kids reach driving age. Depending on your state's laws and your policy, your teen could be automatically added to your policy on the date he/she is eligible to drive. And that means it could be a costly day for your family. Instead of waiting, find out the process and prepare. The average family's policy nearly doubles when a teen starts driving. You might need to switch insurers to find savings.
  • Stay in the know: Educated consumers are empowered consumers, whether it comes to comparison shopping for a television or shopping for a plan online. This means that instead of assuming your coverage is complete and affordable, find out. Get competitive quotes, do your research and shop around. There are so many factors that go into determining your premium. Changing jobs, moving, or acquiring new car financing can have a big impact on how much you pay. So stay informed.