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A Guide to Buying Car Insurance

A Guide to Buying Car Insurance

By Jeff Youngs, December 31, 2011
Car insurance is something that every licensed driver is required to have, but few understand completely. Not only can insurance get complicated, but it seems that every driver and different vehicles have different premiums, or rates. To help remove some of the confusion, we've put together a guide to buying car insurance.

The first step
in buying car insurance is to decide how much coverage you need. Each state has a minimum coverage requirement, and many vehicle loans and leases also have required amounts. Regardless, homeowners, business owners, and others may want additional coverage.

The second step is to gather your information. You will need the vehicle identification number (VIN), your driver's license number, information about the lien holder, and address information.

The third step is to check your driving record. Your new rate will be based on your frequency of moving violations and accidents, so become informed before you get quotes.

The fourth step
is to solicit quotes. Ask friends for recommendations, check online resources, and call insurance agencies that can quote multiple carriers at once. Shopping online is also effective. Get at least three quotes.

The fifth step is to assess the policies, and then choose one. Look over each quote carefully to ensure that all of your requirements are met and then select the one that meets your policy minimums and budget.
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