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Ever hear the expression, “Never trust a salesman?” For a lot of people, insurance agents are salespeople by another name. Bad experiences leave customers wondering if their insurance agent truly has their safety in mind when helping them pick their car insurance, or if the insurance agent was only thinking of lining their own pockets. At CoverHound, we get rid of the middle person so you can compare car insurance rates in peace.

When shopping for auto insurance, it’s important to keep these four helpful tips in mind.

Comparison Shop

When first delving into the online insurance game, it can be a little overwhelming. Have a written list of items you want to be included in your policy by your side, so as not to forget what it is you’re looking for in your auto insurance policy. When you know what you want, you have a better chance of getting it. Familiarize yourself with the language used in the insurance game. If you don’t know what you are signing, chances are your coverage won’t fit with your needs. The best thing to do is to take a deep breath, and focus on what you want, and expect to get, out of your policy. Don’t sign up for the first insurance policy you see. When you compare car insurance rates, you want to look at what the packages offer as a whole.

Are you unsure of which questions to ask? Start with the examples below.

  • ‐What will a smaller deductible mean for my premium exactly?
  • ‐If I get into an accident and it’s another driver’s fault, will my insurance go up?
  • ‐My student driver has a high GPA. Can I get a discount on his or her coverage?

Policies Stateside

Insurance policy procedures vary from state‐to‐state. Your friend in California may have gotten a great deal with a leading insurance agency they have recommended to you, but in Michigan, you can very well fall flat. Depending on the state, auto insurance rates are set and established by law. Be sure to analyze how insurance policies are different or change, especially if you are getting ready to move out of state. Fortunately, if you’re only traveling out of state, you’re almost always covered – just make sure to read between the lines!

Budget

Monthly bills and statements can add up quickly, and in an unpredictable economy, it’s important to know you can maintain your finances no matter what life throws at you. Before selecting an insurance plan, calculate the payments into your monthly budget. Discounts abound and auto insurance competitors are desperate for your business. When you compare car insurance rates online, agencies no longer have the power to price gouge you; you are now the one in control. Otherwise, you can tell them you’ll take your business elsewhere.

The Good Driver Promise

The better the driver you are the more auto insurance perks you receive. With some insurance companies you can earn rewards for good driving. Take All State for example, you get two safe bonus checks a year, plus accident‐free discounts. If you didn’t have incentive enough to be a good driver, this definitely takes the cake. Depending on the amount of bells and whistles your car has, your insurance payment can be lowered even more.

At CoverHound, we help you to compare car insurance rates between the most reputable insurance companies around, and not just for the right deal, but for the right fit. Start your car insurance shopping today!

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