Review us Driving Record and Current Insurance Policy

Before you start shopping for insurance you should check the following: the status of your driving record, your current coverage and premium you pay.

You have to know how many tickets you recently. But time plays tricks and our memories suppress painful incident. If you can not remember how long that has been speeding ticket on your record, check with your state DMV. If your notes will soon improve, and you get your points will eventually disappear, wait until it happens before you get quotes. Nothing drives up the price of insurance as a bad driving record.

Also, you should contact your insurance company or a car pulling out a recent bill. Write down the amount of coverage you have and what you pay for it. Noting the annual and monthly cost of your insurance because many of the quotes you will be given two directions. Now you have numbers in mind to try to beat.

Have Competitive Quotes

Now that you have to make decisions that are practical and some philosophical, it's time to start shopping. Begin by setting aside about an hour for this task. Bring all your records - your current insurance policy, driver's license and registration number of your vehicle. Many drink coffee. Having a phone at your elbow. And, of course, power up your computer.

Start with an online service. The forms take about 15 minutes to complete. If this is boring you, just remind yourself how much you will save and that you can use the money to buy something nice for yourself. If the entire shopping process takes you two hours to complete and you save $ 800, you effectively get $ 400 per hour.

Some things to remember: 1) When you use quote sites, you may not get an instant quote. Some companies may contact you later by e-mail, and some that are not "direct provider" can put you in touch with local agents, who will then calculate a quote for you. (A "direct provider," like Geico, sells an insurance policy to you directly; other companies like State Farm sell insurance through local agents We will discuss the pros and cons of each later ..) 2) Not easy to get a quote from sites in all countries - if you live in New Jersey, for example, you may be exposed more quickly to pick up the phone, because most insurance companies in the country currently does not provide online quotations.

You can also try to get quotes from several insurance companies listed on the site of Liberty Mutual, Geico or Progressive. This form will take about 10 minutes each to complete.