November 13th, 2015
Whether you’re new to the road and need insurance, or you’re not pleased with your existing auto policy and want to look elsewhere, it helps to know how to properly search for car insurance. Save time, money and the stress of not having proper coverage in the case something were to happen to you or your car with our auto insurance policy calculator. We take car insurance comparison to a new level by offering up to four competitive auto policies based on your needs, all generated in under two minutes.
No service can flat-out guarantee to find you the best deal since auto insurance is determined by many factors, but with CoverHound you can be sure you’re getting the proper coverage at affordable rates from trusted companies that will take care of you in your most vulnerable moment.
So let’s take a look at CoverHound’s car insurance comparison process below:
You’ll start out by entering some basic information such as your ZIP code, number of vehicles you need insured, number of drivers that will be on the car insurance, whether you’re presently insured or not, are a homeowner, and are married. Additionally, you can call a licensed CoverHound advisor at any time if you don’t want to go through this process on your own.
Next you’ll enter your vehicle make, model and year, but just typing the vehicle make will auto populate a list of options to choose from. Notice the insurance premium gauge on the right, already with a rough quote based on the first screen of information you entered.
Now that you’ve entered your vehicle, you’ll select whether you own the vehicle, have financed it, or are leasing it. You’ll also select its primary use, and if you will use it for pleasure, business, or to commute from work and school. Finally, list the name, birthdate and gender of anyone who’ll be on the auto policy.
Now we’ve reached the Driver Discounts page. Here you’ll enter whether you’re employed, what your occupation, your level of schooling, marital status, the age in which you first received your license, if your license is valid or not, if you’ve had any tickets, accidents or claims made in the last five years, and if you’ve had any DUIs in the last 10 years.
To finish out the Driver Discounts page, you’ll have to enter if you own your primary residence, whether you’re insured, who your provider is, how long you’ve been with them, your coverage limit, and the approximate amount you pay every six months.
Oh wait, we almost forgot, before you move on to the car insurance comparison page, you need to enter your home address again, your email and confirm that the driving history you selected earlier is true. Now you just need to get your rates!
There you have it, four competitive rates in the categories of Basic Coverage, Minimum Coverage, Superior Coverage, and Deluxe Coverage. You can choose a plan or scroll down to see our personalized recommendations. Again, if you have any questions at any point, you can call the listed number on the screen to talk to an advisor.
At the bottom of the comparison page, you’ll find our personalized recommendations for you. As you see with this 2004 Kia Sorento, we think it should be covered with 25,000 dollars in property damage without Comprehensive or Collision Coverage. The rule of thumb is generally if a car is older than eight years old, it shouldn’t have Collision or Comprehensive coverage, unless it is high end.
This is the page you’ll see if you selected a plan from the Compare tab. Enter your current policy expiration date, the date you need your new policy to be effective, your current Bodily Injury Coverage amount, your phone number, email, and if the insured vehicles are normally kept at the address you’ve listed.
You’re almost done, enter your 17-digit VIN number, annual mileage you drive, if your car’s equipped with a recovery system, and if you’ve made any customizations to the vehicle. Enter your driver’s license number and state before finalizing your rates.
Car insurance shopping with CoverHound is honestly that simple. No crazy details to enter or endless information portals to scroll through, just simple, straightforward and affordable rates.
Need homeowners, renters or motorcycle insurance? We have policy calculators for that too!