How Do I Compare Car Insurance Rates Effectively?

To find the right car insurance policy and get the most for your money, it's important to understand how policies work, the subtle differences between quotes, and how to make comparisons, which are all things we can help you do.

Look at the Big Picture

It’s important to look at the big picture and sift through all of the details rather than strictly looking at the premium when you’re trying to find the best car insurance. A common mistake people make is only looking at how cheap the immediate costs of an insurance policy are and not taking other factors into consideration. For example, the cheapest quote you get may only give you minimal coverage and you’re left vulnerable if anything happens. Paying a higher premium up front and getting the coverage that helps you protect everything you want may end up being the better deal for you.

When checking out different car insurance providers, it is important to take a look at other things like collision and comprehensive, medical payments, personal injury and liability. Here at Obrella, we’re happy to discuss your different options and offer an easy quote comparison to help you make an educated decision.

Carefully Consider the Deductible

Choosing the right premium and deductible is a bit of a balancing act. Although you want to find a reasonable premium, it shouldn’t come at the cost of being stuck with an overly high deductible where a big chunk of money comes out of your pocket. An effective way to determine your ideal deductible is to consider how much money you are comfortable spending if you ever are involved in an accident or something else happens to your vehicle. You don’t want to get stuck in a situation where you can’t afford to make car repairs because your deductible is too high, so try to find a relatively low premium with a deductible you feel comfortable with.

Use Your Current Policy as a Reference Point

By analyzing your existing policy, if you have one, you can see where you have adequate coverage, which areas need more coverage and where you could reduce your coverage. This will help you have a starting point when comparing new policies. You can even provide this information to an Obrella representative so they know the appropriate factors to compare with you.

Talk to an expert today to discuss your different options and offer an easy quote comparison to help you make an educated decision.

Look at Multiple Quotes

Insurance companies compete for your business, which ends up being beneficial for you. With the help of an Obrella representative you can compare quotes from at least three companies. Once you have those, you decide which one is right for you. And, if needed, you can even try to negotiate a better deal with one of the providers.

Weigh in Additional Factors

It’s important to analyze the policy, but you also want to see what others are saying about the providers. Read reviews online to see how satisfied other customers are and what sort of benefits you’ll get with each place. Keep an eye out for information about a provider’s customer service, professionalism, and claim filing efficiency. You want to know that not only are you getting an insurance policy you like, but that you’ll also be working with people you can trust.

Being thorough and weighing all the smaller details when shopping for car insurance should help you find optimal coverage at a price you can afford. If you are frustrated in your search for the right car insurance policy, or if you’d rather have a professional take charge of your search, give us a call today. We can help you find and compare the car insurance policies that fit your needs best.