You would not want to buy any car insurance policy. You would want to get the best one. You may actually be stuck paying high premiums for years just because you are not a savvy buyer. So, apart from getting them you will actually need to compare auto insurance quotes as well. This should not be very difficult as long as you have the right instructions at hand.
The first and most important step is to get as many quotes as possible - you can do this without paying anything. The fastest way to obtain many and different offers is to shop online. You can go to some of the websites providing this type of service and request a quote by filling in a short form. It is essential that you answer the questions honestly and correctly in order to get the most accurate offer. You will be presented with it in a no more than a few minutes.
The next step is to prepare for the comparison. It is a good idea to print out the offers so that you can keep them handy and put some notes on them. Once you have all of them you can take another paper and outline your criteria and your budget. It is essential that you write down all the types of coverage that you would want to have. You should also calculate your budget carefully. It is best if you can make a rough estimate of the premium and of the deductible as well. You will find it beneficial if you set ranges rather than exact numbers.
By now you should have all your requirements in built points and a clear idea about how much you can afford to pay. Only then you can start to compare auto insurance quotes. It is a good idea to put ticks and crosses next to each separate feature that you evaluate. For example, if you want to have larger collision coverage you can readily put a positive mark next to all such beneficial features in all of the offers that you have. You can readily exclude all the quotes that have more crosses and fewer ticks until you narrow your search to one.
However, before doing this you have to make a separate evaluation of the different insurers that present the quotes. It is best for you to rank each company based on the following criteria - discounts they offer that are applicable to your particular situation, rating given by an independent appraisal, market share, experience in the field and reputation as well as reliability of the customer support services. You can place grades, ticks or points next to each name. In the end when you compare auto insurance quotes you have to add your own company ratings to the overall evaluation scheme.
This might sound a bit complicated, but the system is actually quite simple. You will be able to finish with the analysis in no time. If you use this method to compare auto insurance quotes, you will surely pick the best deal.