How To Buy Car Insurance

Phone Shopping and Internet Shopping

Without complete and accurate information, phone shopping or Internet shopping is nothing more than getting estimates.

If you want an accurate quote on the phone or via the Internet, you need a current Motor Vehicle Report for all drivers, Vehicle Identification Numbers for all vehicles, date of birth for all drivers, driving experience for all drivers, and the coverage you are looking for. You can choose from the following:

  • Bodily Injury Liability and Limits
  • Physical Damage Coverage and deductibles
  • Uninsured Motorist Coverages
  • Comprehensive car damage and deductibles
  • Collision damage and deductibles
  • Medical Coverage
  • Towing Coverage
  • Rental Car Coverage
  • Supplemental Coverages

The more information you have, the more accurate your estimate will be.

Always remember, phone quotes are only estimates.

Step 1 – Choose the right Agency

Reliability

Choose an established Agency. An Agency in business 15 years or more is a good rule of thumb.

Service

Choose an Agency committed to Service. They should have convenient hours, 800 toll free numbers for your questions, and locations convenient to your work and home.

Integrity

Choose an Agency with a verifiable service record. The California Department of Insurance (800 927-4357 or www.insurance.ca.gov) maintains records on all licensed Agencies. Your local Better Business Bureau also tracks complaints against insurance agencies.

Products

Choose an Agency that can serve all of your insurance needs. An established Agency will offer a full range of products, including home, renters, life, health, commercial and other services.

Security

Choose an Agency that will shop for you. Almost anyone can quote car insurance. An established Agency uses quality carriers and licensed agents to find you the Best Possible Insurance, for the Least Possible Money.

Step 2 Choose The Right Policy.

  • Verify that all coverages you are requesting are on the application, including drivers, vehicles, and other pertinent information.

  • Verify the driving record on your application matches your current Motor Vehicle Report (MVR). An established Agency can obtain a current MVR while you are in the office.

  • Verify the final policy you receive from the Insurance carrier matches your copy of the application. If not, call your Agency’s toll free Customer Service number immediately.

  • Verify the policy begins coverage when you request it begins coverage.

Get a FREE Estimate from Cheap Insurance!

If you need a rush estimate, you can call 800 652-1010 for a free phone estimate from one of our Licensed Professionals. Once you have an estimate, you can choose to complete the transaction by US Mail, Fax, or by visiting one of our many locations in Northern California. Or, fastest of all, click HERE  where you can receive an estimate and purchase your insurance online, Right Now!