Buying Auto Insurance - A 7-Step Checklist

Step 2: How Much Coverage Do You Need?

The first thing you need to do is determine how much auto insurance you want to buy. This should be determined at least in part by what the requirements are. California has very specific requirements for the type and amount of coverage drivers must carry: Requirements For California Auto Insurance.

Step 3: Review Your Driving Record and Current Insurance Policy

Before buying auto insurance, you'll want to review your driving record, and your current policy (if you have one). You should know how many tickets / points you have, etc. Note that tickets rarely go away over time, however your point score may go up over time.

Step 4: Solicit Competitive Quotes

Start getting quotes, both from online brokers, and through the Yellow Pages. Here are some tipe for finding Cheap Auto Insurance Quotes.

Step 5: Record and Compare Quotes

Keep a notepad and write down each quote, which company or broker they're from, and the date. This will allow you to compare quotes.

Step 6: Look for Discounts

Make sure you explore all options relating to discounts. Insurance companies give discounts for a good driving record, favorable credit score, safety equipment (for example, antilock brakes), certain occupations or professional affiliations and more. Go here for more information about Discount Car Insurance.

Step 7: Review the Policy Before You Sign

 Lastly, before you sign, make sure you read the policy. Make sure you're getting the minimum coverage that's required, that there aren't any "add-ons' you don't want, and that you can afford the payments.

IMPORTANT: If you are getting a new policy to replace an old one, make sure to cancel the old policy!

Follow these step and buying auto insurance won't be such a daunting task!