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Securing the right car insurance policy can be a tricky process, as shoppers attempt to navigate between various companies and policy options to find the plan that works best for them. Fortunately, consumers don’t have to wait until paperwork is filed to see how much a policy may cost, as most companies give free auto insurance quotes.

Shop around for the lowest car insurance quote

Car insurance shoppers can search for quotes without leaving the comfort of their own home, as online forms can easily allow a person to quickly obtain a quote. In fact, consumers may be able to save up to 40 percent on an insurance premium just by shopping around. Auto insurance is an extremely competitive business, leading many companies to offer significant discounts.

Have all auto information ready

When searching for a free car insurance quote, shoppers should have all of their paperwork on-hand to ensure their application is accurate. Consumers should have their car title, license plate information, and driver’s license nearby when finding a quote. They should also know how many miles they usually drive per year, their vehicles’ safety options, and the number of drivers that will be covered by the policy.

Having the required information readily available will not only simplify the task of finding a quote online, but can also make it easier for shoppers who may be communicating with customer service representatives during the process.

Consider different coverage options

Shoppers should be aware of how much coverage their vehicle actually needs when searching for a free auto insurance quote. For instance, cars that are more than 10 years old, or have more than 100,000 miles on them, may not require the expensive comprehensive coverage most drivers prefer for newer models. Generally, if obtaining full coverage will cost more than the actual value of the automobile, experts recommend those drivers drop the extra costs and stick with just liability coverage.

Check customer satisfaction scores

Those searching for car insurance should also review a company’s consumer satisfaction reports before settling on a policy, no matter how cheap their free quote may be. Resources such as a state’s Department of Insurance website often have reviews of local insurers by policyholders in the area, and also statistics to show how many complaints a company has received.