Even though more and more people are shopping for and buying car insurance online, you have to consider the fact that doing so over the phone is still an option. Believe it or not, there will always be a large faction of people who think that buying car insurance through an agent, over the phone, is the way to go. Does this sound familiar?
If you are going to call agents to purchase auto insurance you need to know what you are looking for before you ever pick up the phone. The more knowledge you have the better chance there is that you will not get to speak up in a long conversation, with the agent trying to force you into something that you do not really need. For qualified information, check the internet – this will get you ready for your phone calls with insurance agents.
Sometimes, I like to turn the tables on insurance agents especially when they are pushy for you to simply buy insurance and not consider your needs. They should always give you good advice and not be pushy but that is not the case. A little homework on your part will help you immensely.
When you meet agents, tell them what you want with regard to policies only. Tell them the type of coverage that you want such as liability but not collision. It is your decision based upon your needs. Additionally, tell them about how much insurance that you need. Remember, that you always want to stay above the minimum levels of required insurance for your state. I think every state in the United States as certain minimum levels of insurance that you must have to legally drive. But, one thing not to talk about are quotes.
Do your research on the Internet ahead of times and get quotes. The more quotes you get, the better educated you will be. Ask the agent with what you are speaking for the best quotes for the coverage that you discussed. See how their quote jives with what quotes you received on the Internet. Remember, to compare apples to apples such as deductible amounts and types and amounts of coverage.
Once you are on the phone make sure you tell the agent what you are looking for. The first quote may not be any good, so be open to asking for another. Also, be sure that you are being provided with every discount that you qualify for. These can go a long way in helping you save a lot of time and money.
Things may be changing and the internet is taking over, but this does not mean that you have to shop for car insurance online. You are still able to call agents for quotes in hope that they can provide you with fast service and the right policy at a low price.