Comparing Auto Insurance Quotes Online

If you drive an automobile in the U.S. you are going to need to get it insured. It is the law in all but one state. While there’s no way of getting around mandatory auto insurance laws, you do have a choice at the coverage company and price you pay to get insured. By comparing auto insurance quotes online with direct providers like Hammer Insurance, you can save 40% or more. Here are some helpful suggestions that will make shopping for auto insurance easier.

Select the Coverage You Need Carefully

Before you start applying for car insurance quotes, you need to determine the type and amount of coverage. You may be tempted to try and get the cheapest rates. This will almost always be a state minimum liability only plan. There are a few problems with choosing low levels of coverage.

Liability Only Policies Offer Lower Amounts of Protection

The first, you will not have enough protection in the event you get into an at-fault accident. You could end up getting sued and having your wages garnished for years. Another problem is if you paid for a new or almost new vehicle and total it, you won’t protect the investment you’ve made. You could end up losing tens of thousands of dollars if you buy an expensive automobile.

This is why in most instances a liability only plan doesn’t make sense. If you choose a liability policy, get higher limits of $100,000 for each person and $300,000 per accident. Another tip is to get a plan that provides for lawyer costs, funeral fees, and rehabilitation. This can save you a lot of headaches in the event you get into a serious or even fatal collision and were ruled to be liable.

Collision and Comprehensive Insurance

If you need better coverage, you should consider collision and comprehensive auto insurance. Collision will cover you for most costs related to repairing and replacing your vehicle, even if an accident is your fault. Comprehensive protects you from anything that’s not related to another vehicle crash. This includes flooding, fires, vandalism and even theft. The more you have invested in your car, the better coverage you should consider getting.

Compare Multiple Direct Quotes

Now that you have decided on the type and amount of coverage you need, you’re ready to compare car insurance quotes online. The best and fastest place to get quotes is online. Most comparison sites like Hammer Insurance Company allow consumers to apply for rates using smartphones, as well as tablets and personal computers. In less than five minutes, up to 10 side by side rates can be compared from leading insurers. The service is free, and there is no pressure to buy a policy.

There are numerous advantages to comparing direct car insurance prices. The first of course is price. There are multiple insurers like Esurance that only sell policies online. They do not have an agent network like State Farm and Nationwide. This means they keep their costs low and pass those savings onto consumers, like you. Direct plans are often the cheapest, but you need to apply for quotes to find the best deals.

Buying Car Insurance Direct

Searching for the lowest priced plan online can save you hundreds. Quoting sites like Hammer Auto Insurance can let you compare the best rates from all the major U.S. insurers. This saves people hours of needless phone calls and call-backs. Cheap car insurance can be found and bought in under 20 minutes using a smartphone.

Once you have found a company and the plan you like, you can choose to buy the policy direct. All you need is your credit or debit card, and you can get insured instantly. Some companies even offer Paypal as a payment option. If you are low on funds, some carriers offer no down payment plans. Other companies offer very cheap $20 down car insurance policy. This means there is no excuse to getting insured, even if you don’t have any money for a down payment.

Direct Insurers Offer Monthly Payments
If you cannot pay your premium in full, don’t worry. There are payment options available, including monthly payments for just a bit more. You can even set-up automatic monthly payments, for any day of the month with most insurers. This allows customers more choice of how and when they want to pay their insurance bill.

Get started now and compare the cheapest online auto insurance plans. Apply for your free quote and save more on car insurance today.