Performing An Auto Insurance Comparison

Looking for a solid auto insurance provider these days is no walk in the park. There are hundreds of companies to choose from, each with their own unique perks and offerings. Thankfully, nowadays we can use the internet to look for and compare quotes side by side. Gone are the days when you would have to look up each insurance provider in the phone book and call each one individually to receive a quote. So, what is the best way to perform an auto insurance comparison?

Obviously, the most important factor to decide before even considering doing an auto insurance comparison is determining how much coverage you want; the big three to consider are liability, underinsured/uninsured motorist, and comprehensive. Liability insurance is the minimal coverage required by law and the lower limit for this policy is 15/30/5 - $15K for an injury to one person, $30K for overall injuries in an accident, and $5K for property damage. Obviously, these lower limits are very low and you should definitely consider a policy with higher coverage. The other two types of coverage include the underinsured/underinsured motorist coverage and comprehensive coverage. Underinsured/uninsured motorist coverage covers the payment for injury and damage when you are involved in an accident where the other party is the one to blame and they don’t have enough insurance to cover the entire cost of the injury and damage they have caused. Comprehensive coverage is pretty much everything else – if someone kicks your windshield in and you don’t know who it is, someone sideswipes your car while it’s parked, acid melts through your roof, etc. etc.

Once you have figured out what types of coverage you want and your limits for each type, you can move on to perform an auto insurance comparison. An auto insurance comparison is when you obtain quotes from several insurance providers and weigh them against each other. Every car insurance agency is unique and offers different perks with their policies. Additionally, each company has their own algorithm that they use when calculating your insurance rate which explains why you might get an expensive quote from one agency and a cheap quote from another for relatively the same coverage. Shop around and compare at least 6 different quotes when you do your auto insurance comparison. Be sure to ask about unique perks like free roadside assistance and car rental reimbursements; some providers will charge a nominal fee for these services but there are definitely ones out there that will throw it in for free. When you’re ready, you can check rates for your auto insurance comparison from this website (Georgia Auto Insurance Quotes) for free. Best of luck and happy driving!

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