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How to Shop for Auto Insurance Without Getting a Headache

Whether you’re shopping for auto insurance for the first time or for the first time in a long time, it can be a pretty overwhelming process. That’s why we have put together this guide for you on how to shop for auto insurance without getting a headache.

Tip #1: Research Minimum Coverage Requirements Based on Your Location

Minimum insurance coverage requirements vary by state. The four main types are:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured/underinsured motorist protection

However, many states only require coverage for bodily injury and property damage liabilities. Do your research for your specific location so you don’t end up paying for coverage that’s not required.

Tip #2: Consider Using an Online Tool to Compare Auto Insurance

Did you know that a recent NerdWallet survey shows that 28% of drivers think they are paying too much for car insurance? The best way to find out if you’re paying way more than what you should be is by comparing what you’re paying versus what other agencies are offering. It can be overwhelming to compile this list yourself. That’s why we recommend using an online tool to do it for you. Then, use the information provided to make a list of pros and cons for each policy to help guide your decision.

Tip #3: Ask About Ways to Make Your Policy More Affordable

Confession time: Insurance companies want your business. If you are upfront with them and tell them the quote they provided just doesn’t work with your budget, they will probably work with you. Though they might not be able to change certain fixed prices, they can often suggest relevant discounts, including:

  • Discounts for members of a professional organization
  • Bundle prices for joining auto insurance policies with homeowners, renters, or other policies.
  • Discounts for multiple cars on the policy
  • Paperless billing discounts
  • Good driving record discounts

Data shows that on average, customers who shop around can save up to 47% on their premium costs—that’s as much as $847 per year.

Tip #4: Look at Both Big Firms and Small Auto Insurance Firms

The best way to ensure you’re getting the best deal possible is to shop around and compare. Just because you see more commercials and social media ads for national companies doesn’t mean you should write off the insurance agent next door. In fact, local companies often offer better rates than the bigwigs, especially for local residents.

Make sure you Google several local and national insurance companies. Ask for quotes from each one so you can compare policies, coverage, and prices for premiums and deductibles.

Auto Insurance Provider in San Dimas

Bethany Insurance is the top insurance provider in San Dimas. We are locally owned and operated and deliver quality insurance solutions to individuals and businesses across California. Our team of skilled and experienced insurance professionals is committed to helping you find an insurance policy that fits your needs. We’re always here to help if you have any questions or need some guidance. Contact us today and let’s get started!