Information on the Vehicle:<\/h3>\n\n\n\n
The insurers will need to know the following information about the car:<\/p>\n\n\n\n
- Make<\/li>
- Model<\/li>
- Year of manufacture<\/li>
- Vehicle Identification Number (VIN)<\/li>
- Safety features<\/li>
- Annual miles driven<\/li>
- Current odometer readout<\/li><\/ul>\n\n\n\n
Also, be sure to have information on your current policy if you have one.<\/p>\n\n\n\n
Step 2: Figure Out How Much Coverage You Need<\/h2>\n\n\n\n
Take the time to figure out how much coverage you will need and what types are relevant to you. A quick summary of the types of coverage<\/a> is below:<\/p>\n\n\n\n
- Underinsured\/Uninsured Motorist:<\/strong> This type of coverage<\/a> protects you from damages caused by another driver who is uninsured or who has inadequate coverage.<\/li>
- Collision:<\/strong> Collision coverage takes care of expenses related to vehicle repairs after traffic accidents. It doesn\u2019t matter who was at fault.<\/li>
- Comprehensive:<\/strong> This type of coverage insures your vehicle against events such as theft, vandalism, animal collision, weather, and more.<\/li>
- Bodily Injury\/Property Damage Liability:<\/strong> This covers the costs of injuries, property damage, and death in at-fault accidents.<\/li>
- Medical Payments:<\/strong> Medical Payments insurance covers your passengers\u2019 medical expenses and you after an accident, regardless of fault.<\/li>
- Personal Injury Protection:<\/strong> This type of coverage handles expenses like child care, funeral costs, lost wages, and other expenses related to an accident.<\/li><\/ul>\n\n\n\n
Consider that you may not need every type of coverage. For instance, it may not be worth paying as much for collision and\/or comprehensive if you are insuring an older or low-value car.<\/p>\n\n\n\n
In addition, if you are driving a car that you don\u2019t own, It may also be of your interest to look into non-owner car insurance<\/a>.<\/p>\n\n\n\n
Step 3: Stay Consistent With Your Quotes<\/h2>\n\n\n\n
![\"Portrait](\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/07\/how-to-get-insurance-step-by-step.jpg\")
<\/figure><\/div>\n\n\n\nOnce you\u2019ve decided how much coverage you need, you should ask for the same amount and types of coverage from each insurer. When you are comparing multiple quotes, this will ensure you\u2019re comparing apples to apples.<\/p>\n\n\n\n
Step 4: Start Comparing Quotes Online<\/h2>\n\n\n\n
When it comes time to start getting quotes, organization and transparency are everything. There are several routes available to you:<\/p>\n\n\n\n
Individual Phone Calls to Different Insurance Agencies<\/h3>\n\n\n\n
You have the option of calling different insurers personally. However, this method is extremely time-consuming and will require extensive research.<\/p>\n\n\n\n
Getting Quotes Online<\/h3>\n\n\n\n
By far, the most thorough and efficient way to get quotes from a wide variety of different insurers is to use an online service.<\/p>\n\n\n\n
The advantages of using an online resource are many:<\/p>\n\n\n\n
- You save time.<\/strong> You won\u2019t need to speak with a broker or agent when you use a comprehensive service. All of the information you need is compiled in seconds, providing you with the best options available.<\/li>
- You can select who you talk to.<\/strong> Instead of speaking with a representative from each company, you can instead only talk with companies whose offer seems to meet your needs. This narrows down the selection process significantly.<\/li>
- You don\u2019t have to be a perfect driver.<\/strong> An online service like Freeway Insurance<\/a> is built for non-perfect drivers. That means that even if you have a complicated driving record or an incomplete coverage history, Freeway puts you in touch with insurance carriers who will get you back on the road.<\/li>
- There\u2019s no pressure.<\/strong> When you take control of the process, you no longer have to deal with pushy agents. There\u2019s no rush to make a decision \u2014 you can process everything at your leisure, on your own time.<\/li>
- You don\u2019t have to be an expert.<\/strong> If you\u2019re getting car insurance for the first time or are uncomfortable with the process, this option is the best choice. It makes different coverage options easy to understand.<\/li>
- You can find multiple types of insurance.<\/strong> From a One-Stop DUI Solution<\/a> to motorcycle insurance<\/a>, there is a lot available to you online.<\/li><\/ul>\n\n\n\n
Step 5: Compare Multiple Companies<\/h2>\n\n\n\n
It\u2019s important to understand what is available to you before you make a decision. It is recommended that you shop at least three different insurance companies, making sure you ask for the same coverage levels from each.<\/p>\n\n\n\n
Using an online service like Freeway Insurance lets you cover more ground, meaning you can effectively search as many insurers as you want without a significant time investment.<\/p>\n\n\n\n
Read reviews of each company you\u2019re interested in to make sure their customers have had a good experience with them. The National Association of Insurance Commissioners<\/a> is a great resource to understand how many complaints have been filed against certain companies.<\/p>\n\n\n\n
Step 6: Purchase the Best Policy for Your Needs<\/h2>\n\n\n\n
When you\u2019ve narrowed it down, pay for your policy and be sure to cancel any existing policy. If you\u2019ve just bought a new car, don\u2019t drive it off the lot without first initiating your insurance!<\/p>\n\n\n\n
Freeway Insurance Is Here for You<\/h2>\n\n\n\n
- You can select who you talk to.<\/strong> Instead of speaking with a representative from each company, you can instead only talk with companies whose offer seems to meet your needs. This narrows down the selection process significantly.<\/li>
- Collision:<\/strong> Collision coverage takes care of expenses related to vehicle repairs after traffic accidents. It doesn\u2019t matter who was at fault.<\/li>
- Underinsured\/Uninsured Motorist:<\/strong> This type of coverage<\/a> protects you from damages caused by another driver who is uninsured or who has inadequate coverage.<\/li>