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Getting Your Best Individual Auto Insurance Policy

You just have bought a car and you are wondering - what auto insurance premium can I expect? A fixed, perfect answer for everyone doesn't exist. We are all different, so different will be our best individual auto insurance policies. Getting your best auto insurance policy usually translates in two-phase process:
  1. Deciding on what auto insurance policy you really need.
  2. Choosing your auto insurance provider.
Let's put all steps in sequential order.
  1. Phase 1 - Make You Decision on What Auto Insurance Provisions You Really Need.
    • Road-side Assistance
      If your car is not a new one you might find this feature very attractive as it could save you some money and a lot of nerves if your car gets broken in the middle of the road.
    • Accident Forgiveness
      Some companies - Liberty Mutual, for example - offer accident forgiveness to its drivers. This valuable feature would protect your auto insurance rate from increase after your car gets involved into a traffic accident even if the accident was at your fault.
    • Collision Coverage
      With Collision Coverage your Insurance Company will pay even if the accident happened at your fault. Make sure that coverage is sufficient in funds, if not - you will be liable to pay the rest.
    • Uninsured/Underinsured Motorist Coverage
      With this feature in policy your Insurance Company will pay for injuries to you and all your passengers in the case of any traffic accident which happened at other motorist fault and that motorist had no auto insurance at all or had insufficient insurance.
    • Deductable
      Deductable is the amount of money you agree to pay from your pocket in the case of a traffic accident; the rest will be paid by your Insurance Company. Higher deductable always translates into lower insurance rates. However don't over-indulge on this feature – it is you who will be requested to pay that money if anything happens.
    • Medical Coverage
      This feature defines how much money you will get in the case of your auto accident-related injury.
    • Comprehensive Coverage
      With this feature in policy your insurance company pays a damage repair to your car for the reasons other than a collision. This includes windstorm, hurricane, fire, theft, vandalism etc. This type of coverage is often required if you lease or use multi-year financing for your car, but it would also be very valuable for every driver who wants to get fully protected.
  2. Choose Your Auto Insurance Provider.
    • Get a second opinion - use the word-of-mouth approach - ask colleagues, neighbors or friends, visit web forums or any other available information channels to get an initial list of insurance provider candidates.
      For the extended list of "all" Auto Insurance Providers in USA visit our All Insurance Prividers list.
    • Narrow it down to 5-10 short-listed auto insurance companies which you believe will meet your needs well.
    • Visit your state's "Department of Insurance" web site.
      Yes, many of us don't know that fact, but every state has "Department of Insurance" which keeps track of insurance providers under state's jurisdiction. Check consumer complaint ratio for each company in your short-listed companies list and narrow it down to 3-5 best candidates.
    • Get your preliminary quotes for each auto insurance company in your short list.
      To simplify this step make sure to use our free Get Instant Quote gateway page.
    • Choose the final company with the best auto insurance policy for you.
With the detailed selection check list provided above getting the auto insurance policy which is right for you becomes a relatively easy task. Equiped with knowledge about auto insurance policies and their features you will always be able to make the right decision. Protect yourself on the road and save your money in the case of auto accident by purchasing the right auto insurance for you and your family.

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