Month: March 2021

MetLife Auto Insurance 800 Number

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

We looking for the phone number to contact MetLife auto insurance? This article will tell you everything that you need to know before you make that phone call.

How Do I Contact MetLife Car Insurance?

There are several ways to contact MetLife insurance. Those ways include: email, telephone and fax. Usually, calling them is the quickest and best option available. However, you should know which department you need before you make the phone call.

If you aren’t sure which department you need, you will likely call the wrong one. This wastes your precious time, that is especially short after being in a car accident.

Naturally, a representative can usually transfer you to another department. However, this may mean waiting for a representative twice. The first time waiting is basically wasted. The way to avoid that is by verifying which department you need to reach.

Which MetLife Auto Insurance Department?

As one of the largest insurance companies in that nation, MetLife has several phone numbers. They numbers can be a benefit or a burden to its customers. If you have the right number, you can get in touch with a representative much quicker.

Being connected to the wrong department is incredibly frustrating. This may only add to the frustration you experience after being involved in a car accident.

Unfortunately, as I stated above, it can be a burden when you reach the wrong department. Read below and I will help you find the right department and phone number for you to call!

There are three different auto insurance departments at MetLife. Namely, Claims, Service and Auto and Home’s CARE Network.

MetLife Auto Claims Phone Number

If you are trying to file a claim over the phone with MetLife Auto Insurance for damage to your car, glass, or towing, Call 1-800-854-6011. They are open 24 hours a day, 7 days a week, 365 days of the year.

However, if you can, it may be a better choice to file online. You can file claims for all those things. In fact, a towing claim should be filed online.

If you are checking your claim status, you can actually send MetLife a direct message on Twitter @MetLifeCares with your name, policy number and zip code. They can take care of you there.

How do I speak to a representative at MetLife?

One of the most annoying things about calling an insurance company is having to go through it’s automated system. Usually, you have to wait to speak to the first representative just to wait again after he or she transfers you to the next department.

The best way to speak with a real person is to go through their automated menu. After you have verified your information, try pressing the number 0 multiple times until you hear a person’s voice.

What Are The Hours for MetLife Auto Insurance?

Car accidents can happen at any time. Fortunately, MetLife’s car insurance line is always open. 24 hours a day, 7 days a week, 365 days a year (366 on leap years), there will be someone to answer your phone call.

If, for some reason, the line is busy or you cannot reach a representative, try using their website or their app to file a claim. Occasionally, call centers may experience technical difficulties. This may be the best workaround during those times.

However, MetLife’s customer service line should always be there for you. They can answer questions about your policy, help you file a claim and help you stay or get back on the road sooner than you might expect.

Should I File A Claim With MetLife Auto Insurance?

The choice of filing a claim is a tricky one. Sometimes, in small accidents, it makes more sense to have each party figure it out privately instead of involving insurance. However, be careful in these situations.

Sometimes, scammers will collect your insurance information, send you personally a bill, keep that money and still file a claim with your insurance company. This is extremely dishonest and probably very illegal. If you can, pay the repair shop yourself, in person, and get a copy of the repair records. That way, you will have what you need if they threaten to take you to court.

If the accident is too large to settle personally, you may wish to file a claim. If you are not-at-fault, you would file a claim against their insurance policy. Their insurance policy should cover the cost of repairs to your vehicle.

If you are at-fault but have full coverage, it is probably a good idea to file a claim. This is when your insurance company will pay to fix your car or its value before the accident. This can help keep you on the road.

MetLife Commercial Auto Insurance Phone Number

What if you have a commercial policy with MetLife? What number should you call?

If your vehicle is registered to a company’s name, it needs a commercial vehicle policy. Although your policy is different than a individual insurance policy, you will still call 1-800-854-6011. This number should work at any time, day or night. So if your business has an emergency in the middle of the night, MetLife should be able to take care of you.

Metropolitan Casualty Insurance Company Phone Number

What if your insurance card says Metropolitan Casualty or Auto Insurance on it?

Metropolitan Casualty Insurance is the same as MetLife Auto insurance. To reach them, just dial 1-800-854-6011. However, it is usually easiest to file online or through their app.

In general, a regular agent can help you with the claim. If there are any issues, they can transfer you to a manager or another agent.

Metropolitan Group Property and Casualty Insurance Company Address

What if you are trying to file a claim through the mail? What is the address for MetLife Auto Insurance?

MetLife is a huge insurance company with several mailing locations. On occasion, you may need to send them mail as part of your claims process. However, you should start your claim online or over the phone.

After you have started the claim, your claims agent should provide you with the address you need.

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What Is Car Insurance?

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

What is car insurance and why do I need it? Can I drive without car insurance? Where are the best places to find car insurance?

What Is Insurance?

Before we get started, a review of what insurance is will be helpful. The whole point of insurance is based on something called indemnity. Basically, the idea to to restore you to the exact state you were in before a loss. A loss is anytime there is damage to property or personal injury.

Insurance is there to indemnify you after a loss. With car insurance, that may be paying your medical and repair bills to your vehicle. But with home insurance, that may be replacing a roof or flooring after a natural disaster.

With life insurance, since you cannot replace a life, a defined cash amount usually goes to its beneficiary. Medical insurance usually is there to protect you against diseases or huge medical bills.

What Is Car Insurance?
What Is Car Insurance?

Is Insurance Mandatory?

Some types of insurance may be mandated by law or agreement.

For example, if there is a mortgage on your house, you may agree to keep homeowners insurance on the property. That not only protects you, but protects the bank or mortgage issuer against a total lose. That would be mandatory insurance but not legally required.

In some countries, health insurance is required by law. Until recently, the United States required that citizens carry health insurance. If they didn’t, they would have to pay an additional tax. However, that was later removed from law.

All states require drivers to carry liability car insurance in order to drive on public roads. The only exception is when a driver, with the required paperwork, decides to self insure. This is an option in several states. However, you usually have to have several hundred thousands of cash available at all times to cover any damage for which you may be liable.

What Is Legally Required?

You usually are only legally required to carry your state minimum liability coverage in order to drive. However, depending on your circumstances, you may also be required to have certain car insurance coverages by agreement.

The most common reason you may have to carry certain coverages is if you financed your car. Just like a mortgage holder may require a homeowner to insure a house, a car financier may require you to insure your car. This protects them from a total loss.

The most commonly mandated car insurance coverage is full coverage. This is a policy with liability as well as collision and comprehensive coverages. That way, even if you are at-fault in an accident, they will be able to receive payment for the value of your vehicle.

However, you also will probably want Gap coverage if you have a note on your car. This covers the difference between the value of your vehicle and the amount left on your car loan.

What Is Different About Car Insurance?

Because no one knows when a car accident will occur, the government has decided that everyone will have to have car insurance. Although this may seem a bit extreme, drivers are rather prone to accidents.

Car accidents can be extremely expensive to remedy. Not only are there the cost of potential replacing hundreds of thousands of dollars in cars, but they can cost millions of dollars in medical bills, depend on the injuries.

If someone is dismembered or disabled from an accident, you may be liable for their lost livelihood. Although this is rare, $100,000+ medical bills are rather common.

However, most Americans do not have sufficient wealth to cover those expenses. Because of this, it makes sense to require drivers to have coverage on the open road. How would you feel if someone recked your car, sent you to the hospital, and then you had to pay for all those bills yourself?

Why Do I Have To Have Car Insurance?

In addition to it be required by law and often agreement, it makes a lot of sense to carry car insurance. One thing I think about it is what it would be like if I were self-insured and I had to pay $250,000 to another driver because of an accident I caused.

Even if I had ten times that in the bank, I think I would much rather have an insurance company pay for my mistake even if I could afford to pay for it myself. Not only is there the opportunity cost of having that money sitting somewhere, but car insurance premiums are generally only a couple hundred dollars a month.

Of course, if you have the funds, many states will let you self insure. The only times I see this being of great benefit is when you have a large car collection or a fleet of vehicles. Even then, an antique policy may be a better option.

Can I Drive Without Car Insurance?

In several states, if you are caught driving without insurance, they will actually take you to jail. Of course, it is not always that severe. Some states require that you come back with proof of insurance and they charge you a fee for a first time offense.

However, driving without insurance is illegal. Furthermore, it is never a good idea. Would you really want someone to empty your bank account with their bills? If you own a home, it is an even worse idea.

If you are in an accident, even with insurance, and the judge finds you responsible for more than policy limits, you are personally liable for the rest. Or, for example, you have only $25,000 of liability coverage but the other driver has $100,000 of medical bills, you are still responsible for the $75,000 that remains.

This is one of the reasons $100,000 per person and $300,000 of liability coverage is seen as the industry standard. Back to homeowners, if your insurance doesn’t cover the injury, they can actually force the sale of your home. They would keep your equality to pay for their damages.

Where Is The Best Place To Find Car Insurance?

Of course, the cost of car insurance can vary drastically. Unlike a gallon of gas, not everyone pays the same rate. It is an approval process, similar to getting a mortgage or a credit card.

It varies on a whole bunch of individualized factors. Because of that, it really isn’t helpful to see what your friends pay or any advertised number. Your quote will probably be different than theirs.

Usually, online is the best place to shop for car insurance. It saves you time from having to drive around to different offices. It also alleviates some of the worry of pushy salesmen. If you don’t like the website or the company, you can always go to another one.

Sometimes, using a device to track your driving will give you a discount. There are also some companies that give you a quote by tracking your driving. They usually offer some of the best rates.

No matter how you drive, those devices will not make your rate go up. So go ahead and try them to save some money!

Start With Comparison Shopping Sites

Start your search by using a comparison site. This will give you a pretty good idea of how much your insurance will cost. After that, get a quote on the official company website for the two or three cheapest sites. This ensures that you are not paying extra for using the comparison site. It also saves you time because you won’t have to check all 10-15 sites all at once.

However, the biggest downside to these sites can be that they share your personal information. They may sell your name and number to insurance agents. Or they may try and upsell you to buy roadside. Sometimes, they will even advertise cell phone companies. These websites exist to generate leads.

But, there really is no substitute for them. The alternative is to visit each company’s website individually. Even then, they may share information with their agents. You can try an agent that works with several companies. However, nothing requires them to get you the cheapest price. Legally, they can even lie and say they got you the cheapest price available.

Generally, it is best to start with one comparison site. After that, you will at least have a good idea of where to look next.

Summary

After reading this article, my hope is that you will have a better understanding of insurance. Maybe you now know why it is important to have car insurance. You should even know a few places you can look when you’re shopping for car insurance. This guide should be the starting point in your journey.

In order to learn more about car insurance, please read through a few articles on this website. It will teach you what you need to know to lower your rates. You can get all the tips and tricks for cheaper quotes.

Keep reading to learn the secrets!

Auto Insurance Quotes (Complete Beginner’s Guide)

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

How do I get auto insurance quotes? Do I have to pay for them? What is the secret to getting the best car insurance rates? This article is for people new to car insurance or for people who haven’t had it in a long time.

Can I Get Car Insurance Online?

Yes! In fact, getting car insurance online may be the best way to get it. Like retail companies, insurance companies save money when you buy online. Then they can pass those savings on to you.

Shopping for insurance online saves you from most high-pressure sales tactics. Also, it will allow you to check multiple places for quotes in relatively short amount of time. This can be far less challenging than driving around town to different agents.

People used to pick their insurance by visiting a family friend who sold insurance. Although you are welcome to try that method, it may not be the best way to get quotes.

Usually apps and websites are the best options. They can also take less time than driving to offices or calling several agents. Because of that, I always recommend looking online first.

Are Car Insurance Quotes Cheaper Online?

They can be cheaper online! Because someone clicking on a website is almost free to the company, many insurers will give you a discount for buying online. You can use this to your advantage. Even just saving $20 a month can mean an extra $240 a year!

Getting car insurance quotes online as has the advantage of saving time. Instead of driving around town or making many phone calls, you can just visit a few websites. You can even shop for rates while watching TV.

Between saving time and saving money, online auto insurance quotes are the right way to go!

How To Get Auto Insurance Quotes

There are multiple ways to get quotes online. Generally, the best way is to visit each company’s website and fill out the form for a quote. Although this is time consuming, it is worth it. Saving even a few dollars a month can really add up over time.

If you must, you can call several insurance agents in your area. However, most only represent one insurance company. The agents who represent more than one company may be even worse.

Since insurance sales agents represent the company, they may not put you first. They usually put their commissions first. If you talk to them, double check the rates they quote you.

There are websites that will compare rates for you. But should you use them?

I would recommend always double checking with the carrier’s website before you pay your premium. For example, if you find that Progressive has the lowest rate on a comparison site, go to Progressive.com and see what they quote you. Read to learn more about them below.

Should I Use A Comparison Site?

Comparison sites promise several quotes from multiple insurance companies. However, the insurance companies have to compensate the website owners if you sign up. This makes their costs go up. As their costs rise, so do their prices. Sometimes you may get a cheaper rate on the company’s website.

However, these sites are a good place to start. They can give you a good idea of the cheapest carriers in your area. From there, you can go to those companies’ websites and get a quote there. You may be surprised at the price difference.

When I worked at an insurance agency, I found out that some of the policies we wrote were higher than if you bought directly from their website. At first, that angered me. I didn’t want to give people a bad deal.

However, it started to make sense when I thought about it from the company’s perspective. If they have to pay a commission for a policy, they have to make up that cost. However, if you type in their website, they may not have to pay a commission at all.

Does It Matter Which Insurance Company I Chose?

Short answer is no, not really. The biggest differences are in the customer service and certain extras. For example, some carriers include roadside at no cost. However, the coverage options are virtually the same across companies. Usually, the coverage should be the exact same.

So when you find a cheaper rate from a company you don’t know, go ahead and sign up with them. You really have nothing to lose.

Can Auto Insurance Rates Change?

Yes! Auto insurance rates can change every day. In fact, nothing stops them from changing every minute. My rule of thumb is to expect about the same rates for a week.

It may vary a bit but usually doesn’t change too much during that time. Of course, there are no guarantees. So it may actually be a good idea to jump on a good deal when you see one.

However, it can be horrible to rush on a high rate. This is why I recommend getting at least 10 car insurance quotes before making a decision.

Generally, I see very little change in rates over a few days. If your choice is to go with the first company you chose or risk rates going up, do the later. You probably will save more money in the long run.

Don’t be too afraid of rate increases. It is also good to know that you can change policies whenever you would like. If you paid your premium but found a better rate, you can sign up with the new company. Then the old company will prorate your payment and refund you the rest.

Which Rates Are The Best?

The cheapest rates are usually the best! The name of the company does not matter. So chose the lowest rates. The coverages you buy are mandated by law. If you’re in an accident, any insurance company has to cover you. They can’t deny your claim to keep your money. They must actually pay all their requirements.

You must ensure you have enough coverage to meet your needs. For example, most financed cars will require full coverage insurance. If you are a homeowner, you will want higher liability limits. I would recommend at least 100/300 liability coverage for homeowners.

What Coverages Do I Need?

What coverages do I need to legally drive? That actually depends on your state. Each state gets to set the law that determines how much coverage you have to have, at a minimum.

However, most drivers would benefit from other coverages. Depending on your situation, you may even require a few extra coverages.

What Is Liability Coverage?

Liability coverage is for accidents where you are at fault. It coverages damage to the other vehicle and the medical bills for the other people. Each car insurance policy has a limit on how much it will pay out. This often will prevent you from having to pay to fix another person’s car.

Liability is essential coverage. This is primarily what every state requires. Most car insurance companies cannot sell you a policy without liability coverage built in. Florida would be a clear exception. They require property damage coverage instead as they are a no-fault state.

What Is Collision Coverage?

Collision coverage, as the name suggests, is for when you are in a collision accident. You can use it to have your car repaired if the other driver’s insurance doesn’t pay for it. This allows you to get your car back. If your car is totaled, they will write a check for the value of your vehicle, minus your deductible.

While they will cover the cost of your repairs, you will be responsible for your deductible.

What Is Comprehensive Coverage?

Comprehensive, also know as other than collision, will cover damages to your vehicle when it’s not in a collision accident. If hail rains down and damages your car, it’s a comprehensive claim. If a deer runs into your car and smashes the front of your car, it should be covered by comprehensive coverage.

What Is Full Coverage?

Full coverage is liability with comprehensive and collision coverage. In fact, it is very uncommon to have either collision or comprehensive separately. Full coverage is usually what drivers need.

In fact, if you have a car payment, you’re probably going to need full coverage.

If your car is newer, you probably want full coverage. If you live in an area with crazy drivers, get full coverage.

What Is Uninsured Motorist Insurance?

What happens if some hits your car and they don’t have insurance? Or what if you have a hit-in-run?

Uninsured motorist insurance will cover you in those situations. Everything from mystery door dings to having your car totaled while it’s parked on the road should be covered.

What Is Underinsured Motorist Insurance?

What if the other driver only has the state minimum and you have a nice car? While, you might be able to recover damages above the state minimum. This would make driving a $100,000 car much riskier in most states.

This is where underinsured motorist coverage comes in. They will pay the difference in your expenses and what the other insurance company pays.

What Is Medical Payment (MedPay) Coverage?

Medical Payment Coverage that helps pay the medical bills for you and your passengers. It will help with those bills no matter who has fault in an accident. It’s available in non no-fault states. It can help you with:

  • Health Insurance Copayment and Deductible
  • Doctor Visits Costs
  • Surgery and Imaging Costs
  • Ambulance and EMT Costs

The coverage is usually optional. It can be a good idea if you are worried about having to pay for those services yourself.

What Is Personal Injury Protection Insurance?

Personal injury protection covers your medical bills. In some states, your insurance pays your medical bills. This can actually lead to lower rates in some circumstances.

Here are a few states that require personal injury protection:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

What Are The Differences Between Medical Payments and Personal Injury Protection?

Personal Injury Protection is required in states where it is offered, called no-fault states. But Medical Payments are always optional in states where is it offered.

Personal injury protection can also help cover lost wages and child care.

What Is Gap Insurance?

If you buy all your cars in cash, don’t worry about Gap. Gap insurance covers the difference between the value of your vehicle and what you owe on it. If your car is totaled and was worth $10,000 but you owe $12,000, gap would cover that difference.

As most people are underwater in their vehicle, I would recommend considering gap.

What Is Towing And Labor Insurance?

This is an optional coverage. It usually is used to tow your car if you can’t drive it. Sometimes this is after a car accident but it can be used if you need your car towed to a shop.

In addition to towing, it may cover tire changes, gas, oil and water delivery, battery and lockout services. These can be an absolute lifesaver when you are stranded someone.

What Is Rental Reimbursement Insurance?

As the name suggests, rental reimbursement insurance will cover the cost of transportation expenses. If your car is in the shop after an accident, it will cover the cost of the rental. It may also cover public transportation fare. If you have to take a taxi, it may cover that too.

Of course, this only applies after a car accident. It is an option coverage you can add to you policy. No policy should require it.

The coverage on each policy has limits. It usually is somewhere around $20-50 a day. There may also be a limit on how many days they will pay for. After that, you will have to pay out-of-pocket. However, there usually is no deductible for rental reimbursement insurance.

What Is Classic Car Insurance?

You may think you would need the same insurance for a classic car. You would be wrong! Classic car insurance can give you a great value while better protecting your class car.

Normally, car insurance only covers the actual cash value of your car. Kelly Blue Book can give you an idea of that. However, you’re classic car may be worth a lot more money!

For example, they may think a 1992 Ford Mustang is only worth $1,000. But you know it would cost at least $10,000 to replace it. Classic car insurance covers the value you specify or appraised value. In my experience, they often have some of the cheapest rates.

Your car may be a classic car as long as it is at least 19 years old. You may also need to drive fewer than 7,500 miles a year to qualify. It will have the same types of coverage as other policies. Because these policies are some of the cheapest, it is worth it to have a separate policy for your classic car.

For example, your household may have a red 1992 Mercedes 500SL, a 2018 Honda Civic and a 2020 Ford Focus. You would want to put the Mercedes on one policy with the other two on a regular car insurance policy.

That way, you can save money but still be fully covered.

What Is New Car Replacement Coverage?

Are you worried about needing a new car? Unfortunately, even with full coverage, usually the insurance company will only pay you what your car was worth before the accident. This may not be enough to replace the vehicle you drive.

Let’s say you buy a brand new $25,000 car. If you get in an accident after owning it for 3 years, it may only be worth $7,000. If that’s the case, you may not even be able to replace it with a comparable car. New Car Replacement Coverage will help you get a new car after an accident. It is an optional car insurance coverage.

With some carriers, if your car is two years old or older, they will full replace your car with a new one. This is great for new car buyers. If having a reliable vehicle is worth buying a new car every few years to you, this is probably a coverage you would want to add to your car insurance plan.

What Is Ride-sharing Coverage?

Do I need new car insurance if I am doing ride sharing, such as Uber or Lyft?

Since ride sharing is business use, most personal car insurance policies won’t cover you. However, the most common rideshare companies do offer protection while you are actually driving the customer. This creates a confusing situation.

To remedy that, several car insurance carriers have made policy coverage options just for ride sharing. These will cover the gap between your personal use of the vehicle and the coverage Uber and Lyft provide for their drivers. This way, you will be covered at all times.

If you drive for Uber or Lyft even occasionally, you should have ride sharing coverage on your policy.

What Is Sound System And Accessory Coverage?

If you spend a bunch of money on tricking out your car, you may want this coverage. It will let you insure all the audio or special equipment you added to your vehicle.

If you would cry over having to replace your sound system, you’ll want this coverage. If you are one of those people who look like they belong on Pimp My Ride, you probably have spent extra money on your sound system and other accessories.

Do I Need Car Insurance With A Driver’s Permit?

In most states, no. The insurance company of the driver will cover a driver with a learners permit. This is one reason why some parents do not let their high school kid get their license.

Unfortunately, young drivers usually have much higher insurance rates than more experienced drivers. For this reason, it may be a good idea to have your child get their permit as young as they can but wait to get a license. This way, they can build up a bit of a driving history before having to pay for insurance.

How Do I Get Car Insurance Without A License?

Again, if you have a permit, you shouldn’t need your own car insurance policy. Some people need car insurance without having a license. Usually, they need an SR-22 or FR-44 Policy. However, that usually is only for people with suspended licenses (see below).

However, you can actually buy a car without license. If that is the case, you probably won’t need insurance until you get a license.

Just as a reminder, there are policies that are SR-22 and FR-44 only policies. They are usually rare but they don’t cover damage to your car. You also usually can’t legally drive with them unless added to a normal car insurance policy. Always make sure you have the right policy for your needs.

Can I Get Car Insurance With A Suspended License?

Yes! You can get SR-22 insurance with a suspended license. Usually, this is actually required by your state to get your license reinstated. Most car insurance carrier will do SR-22 policies. They usually end up being rather cheap since you won’t be driving or insuring a vehicle.

Some people with alcohol or drug-related DUIs may need an FR-44 certificate. Basically, this is when a car insurance company sends a form to the DMV every month so there is a record of you having car insurance. If at all possible, I would recommend doing a paid-in-full option. That way, there won’t be any reason to worry if a premium payment is delayed or bounces.

How Can I Get Cheap Car Insurance For A Teenager?

Car insurance for teenagers can be tricky! Since they don’t have much or any of a driving history, it is likely that they will have higher rates. Of course, this can vary based on geography and on the driver.

Generally, young male drivers have higher rates than young female drivers. This trend continues on through the mid-twenties or so. Unfortunately, there really isn’t a way around it.

After a few years of clean driving, their rates will go down. One tip is to have them attend drivers education. Usually, this will lower their rates in states where it isn’t required.

Several insurance companies will also give them a discount for having good grades. This can also help lower the cost.

However, whatever you do, don’t make your teenager get their own policy! Some parents think they are teaching their children to be responsible by making them pay for their own insurance. While there is nothing wrong with having them work, there is a better method.

Put your teenager on your policy as an additional driver. As he or she may end up driving your vehicle, this should work out. If they need to pay for insurance, have them pay the difference in your rate after adding them. This way, it will be cheaper overall and it won’t destroy your budget.

When I worked as an insurance agent, I saw too many parents make that mistake. They thought their 16 year-old kid needed to be the named insured on a policy. This makes everything more complicated and expensive.

Step One: Shop For Quotes

You’ll want to get as many quotes as you quickly can. I would start with two comparison sites and then go from there. Unfortunately, car insurance quotes are a qualification process. They usually take time. Using a comparison website can speed up the process.

After you have found the cheapest 2-3 rates, go to those companies’ websites and get quotes there. See if they are the same as from the comparison site. Then choose the cheapest.

Step Two: Select The Coverage You Need

This actually goes along with Step One. If you don’t know what you need, read the information above about full coverage and liability. Those paragraphs will give you a pretty good ideal of what you’ll need.

You don’t want to overpay but being underinsured could cost you heavily. Make sure you have a basic understanding of each common coverage option.

Step Three: Pay Your Premium

Most insurance policies last for either 6 or 12 months. However, most default to a monthly payment. Sometimes there is a discount for paying the policy in full. Sometimes it doesn’t matter. If you can save a couple dollars and you’re in a position for it, pay it in full. If there is no discount, just do the monthly payment.

After you have figured out the cheapest carrier for the coverage you need, picked a payment option, go ahead and pay that first premium. After you do that, they will bond your policy making it effective. If you got in an accident even two minutes after that, you would be covered.

Step Four: Print Out Your Insurance Card

You’ll want proof of insurance in your vehicles as soon as possible. You don’t want to be pulled over without your card. You don’t want to have an accident without insurance information. So make sure you have the cards handy. Usually the best spot is in the glovebox next to your car registration.

Summary

Naturally, car insurance is a necessary evil. No one likes paying for it but they love piece-of-mind and being taken care of when they’re in an accident. When you’re in an accident, it is great to know that you will be okay.

Please take the time to learn about each coverage. This will help you get what you need without paying for things you’ll never use. For example, most people won’t need sound system and accessory protection in the vehicle. However, if you have Forgiato rims and a couple subwoofers, you probably will want that to be protected.

If you want to learn more about car insurance, be sure to look around at a few more posts. If you can’t find an answer you’re looking for, please comment it down below!