You do want to contact the car insurance companies that you were not able to get online quotes from. Over the phone, you may even find out some additional information or discounts that were not available or listed on the website. A lot of companies are offering diminishing deductibles or have programs that refund premiums in certain circumstances. You will also find out that there are a variety of discounts for remaining accident free, so it pays to do your research.
Gaining knowledge and researching the information on what you need as far as coverage, can assist you in the decision making process. First, determine what type of policy you need. Although a number of states only require liability coverage, it is wise to consider collision, comprehensive, medical, uninsured motorist, and underinsured motorist coverage for maximum protection. Additional add-ons such as roadside assistance, glass breakage, rental reimbursement, and gap coverage are other options that can be included in your policy.
Some additional tips to remember when shopping for car insurance are:
1. Compare Rates- Different insurance company’s rates may be higher or lower depending on several factors like age, moving violations, claims, demographics and your credit score.
2. Compare the company track records-Research online the company’s customer service record and if there are a lot of complaints and delays of claim processing.
3. Find out if the insurance company has timely communication-Is the insurance agent hard to get in touch with? Do they have an after-hours help line for claims or insurance premium questions?
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