Car Insurance Buyers Guide

Step One

Assess Your Car Insurance Needs

Before you do anything, take some time to assess your car insurance needs.

Think about the amount and type of coverage you'll need.

Be sure to decide what amount of deductible you can live with - the higher your deductible - the lower your car insurance premiums.

Step Two

Get into the right frame of mind for car insurance shopping.

When you begin shopping for car insurance - salespeople will pressure you to choose insurance from their company.

Don't be rude, just politely tell them that you will not make any purchase decisions until you've reviewed five quotes from five different car insurance companies.

Step Three

Start shopping for Car Insurance

Begin obtaining car insurance quotes from at least five different companies.

The best way to get quotes is using the internet - be prepared to offer good information if you want the most accurate quotes.

Don't stop at any one company - get five quotes from five companies.

Step Four

Review the car insurance quotes and policies.

Now it's time to review the car insurance quotes and policies.

Be sure to make sure the coverage each company offers is similar - otherwise you won't be able to make an accurate comparison.

Compare those things that are most important to you. Some people are willing to pay more money for better service - others want the cheapest car insurance they can find.

Take your time and do your homework.

Step Five

Purchase the car insurance policy.

Now that you've done your homework - it's time to choose and purchase the car insurance you desire.

Make sure you're getting the rates and coverage you were initially offered.

Remember, car insurance companies can be more flexible than they let on - they can "wiggle" the premiums more than you might realize.

Lastly, make sure you're getting what you pay for and remember, the car insurance company is working for you. Don't let them intimidate you!