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5 Helpful Tips For First-Time Car Insurance Buyers

car insurance

When it comes to buying car insurance for the first time, there’s a lot to take into consideration. First, you have to consider the price of the policy you’re purchasing. Then, you have to consider the coverage.

Everything from making a monthly payment to filing a claim can seem daunting at first, but you deserve to feel confident when you’re buying car insurance. Instead of feeling confusing, it should feel convenient and easy to get started with.

Read on for 5 of the best first-time car insurance buying tips.

1. Bundle Your Policies

If you have to have more than one type of insurance, it’s best to bundle your policies together. Not only will this make monthly payments easier to make, but it’s also going to bring the price of your insurance down.

2. Do You Qualify for Discounts?

Bundling isn’t the only way to save on your car insurance, though. There a lot of discounts to consider — being a college student or graduate, safe driver, good credit, even your age, gender, and address — and it’s smart to know what you qualify for beforehand.

When you’re getting quotes, be sure to ask about or research potential discounts you can get.

3. Compare Car Insurance Quotes

Another great thing to do is compare car insurance quotes. You’ll be able to see which discounts different insurance companies offer, and also ensure that you’re getting the best possible price for yourself over the long run.

Researching cheap SR22 insurance in Chicago is always a good thing to look into. This varies from company to company and you want to make sure you’re getting the best deal.

4. Know Your State’s Minimum

To legally drive in any state, you’re going to need car insurance. What each state requires, however, is going to vary.

Before you start researching anything, make sure you know what you’re going to need to have covered. Obviously, going with the minimum coverage is going to make your payment cheaper, but that doesn’t mean it’s the best.

Be sure to pick the best coverage options for you.

5. Increase Your Deductible

It’s a tradeoff, but if you’re willing to pay more out-of-pocket if you get into an accident, then you’re going to save more on your payments.

According to the Insurance Information Institute, increasing your deductible from $200 to $1,000 can save you up to 40 percent on your auto insurance. While this is still a risk to you and your car, it could end up saving you more money in the long run, especially if your vehicle doesn’t take on any damage.

Being Curious About Car Insurance Pays off

When you’re curious about car insurance, you give yourself more time to research policies. When you spend more time researching, getting quotes, and understanding what works for you, you’re going to end up with the best price for you.

That means extra savings in the long run, and who doesn’t want that?

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