Most insurance companies offer no-cost quotes to customers who are interested in getting a better deal on their premiums. While getting a number of free quotes can be an effective way to reduce your costs, it is important to take some steps to ensure you are actually getting the best deal for the coverage you purchase.
Use a template so you know you are comparing similar coverage amounts. If you already have car insurance, you can easily compare the coverage you have now with the rates from other insurance companies. When you call agents for auto insurance quotes in Philly, be sure to tell the agent you speak with about any added features you have on your policy, such as roadside assistance or uninsured motorist coverage.
Before you request quotes, make sure you understand the differences between liability, comprehensive and collision coverage. They are three very different car insurance products that can make a big difference on how your claim is processed if you are ever in an accident.Insurance can be confusing so ask questions about anything you don’t understand. If the agent is using industry jargon, ask them to explain things to you in layman’s terms so you are clear on what you are being quoted.
Discounts vary among insurance companies. To make the most of the discounts available to you, be sure to ask about them. The agents who give you your free Auto Insurance Quotes in Philly may not inform you of all the discounts their company offers. Nearly all companies offer lower rates to customers who purchase more than one policy, have multiple cars or who own vehicles with passive restraints. Many also give discounts to drivers who have anti-theft devices on their cars, are safe drivers and who pay their entire premium at the start of the term instead of making monthly installments.
Comparing rates across insurance companies often results in savings. Before you change your policy, be sure you understand the new coverage. If another company is offering you a rate significantly lower than the one you currently have, the new policy may have a higher deductible or lower coverage amounts.
