The Best Approach to Saving Money on Car Insurance

The most overlooked factor in saving money on a car insurance policy is to get a lot of quotes for a policy. This is especially true if you haven’t requested any quotes for a long time and have been with the same insurance company for many years. However, there is a certain approach you should take in getting several quotes for your insurance needs.

Decide what coverage you need

Before you begin the quote process, you need to have a specific amount of coverage you are looking for. This should be written down, as you will be entering this in an email. First, decide on whether you want full coverage or not. This will include collision and comprehensive. If you want collision and comprehensive, you will need to decide on how large a deductible you want. The higher the deductible, the lower your premiums will be. You should also decide on the amount of liability you require, keeping in mind that if you have a lot of assets, you may want more liability coverage to protect yourself.

Make a list of insurance companies

Not only names of the insurance companies but you need their email addresses. If there is a specific email for a quote, then use this email. Also, you want to make a note of the name of the person you are contacting, if there is one. Once you have this list, you will be ready to submit your quotes.

You can submit them one at a time

Although it is possible to send one email to several companies at once, you will likely get a better response if you do it one by one. If you have a list of names and emails along with the coverage that you want a quote for, then it only becomes a matter of cut and paste. If you have everything written down in a doc file, including the subject line you will be using, the cut and past operation can be done quickly for each email. You should be able to do 10 emails in five minutes.

The information above should be helpful in saving you significant money on your next car insurance lodi ca.