How to Buy Car Insurance

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Watch more How to Buy a Car videos: http://www.howcast.com/videos/399326-How-to-Register-a-Classic-Car

Follow these helpful hints before you sign on the dotted line.

Step 1: Check your credit
Check your credit report for errors. Insurance companies use your credit rating to help determine your rate.

Tip
Request a copy of your credit report by logging onto annualcreditreport.com or by calling 1-877-322-8228. You are entitled to one free copy per year.

Step 2: Obey the law
Find out the minimum car insurance required by law on your state’s Department of Insurance web site.

Tip
Only New Hampshire and Wisconsin don’t require car insurance. But since they do require people to pay for accidents they cause, many people carry it anyway.

Step 3: Consider more liability coverage
Consider buying more liability insurance than your state requires. Consumer groups recommend a minimum of $100,000 for injuries per person, $300,000 per accident, and $100,000 in property-damage liability.

Tip
Most American car insurance does not cover you if you’re driving outside the United States. Some policies are valid in Canada and Mexico, but check if your coverage meets those countries’ requirements.

Step 4: Crunch some numbers
Collision coverage pays for the repair or replacement of your vehicle. If your car is more than five years old or worth less than $4,000, it may not be worth it.

Step 5: Consider comprehensive coverage
Comprehensive coverage covers you if someone steals your vehicle or if it’s damaged by a windstorm, fire, hail, or vandalism. But if your car is more than 12 years old, unless it’s a valuable vintage set of wheels, the cost may outweigh the potential benefit.

Step 6: Weigh the advantage of add-ons
Weigh the advantage of other add-ons, such as extra medical coverage, emergency roadside assistance, and glass breakage.

Tip
Consider buying uninsured or underinsured motorist protection, even if your state doesn’t require it. This provision protects you if someone with no insurance causes a collision with you.

Step 7: Shop around
Shop around. Get a general quote from an insurance company’s web site by plugging in basic information like your zip code and car model. Some web sites offer quotes from several companies so you can compare rates. Just be aware that these quotes reflect a bare-bones policy with no add-ons.

Step 8: Ask about discounts
Once you choose a company, ask if you’re eligible for discounts. Having air bags, antilock brakes, or an antitheft device can reduce your rates. So can a clean driving record, carpooling, a car with low mileage, and good grades if you’re a student. Drivers between 50 and 65 also may qualify for discounts.

Step 9: Choose a deductible
Choose the highest deductible you can afford in order to pay the lowest premium possible.

Step 10: Pay up-front
Once you decide on a policy, pay the entire premium up-front to save the monthly service fee.

Did You Know?
An estimated 14 percent of drivers in the U.S. are uninsured.

Comments

Yadaiah Nakka says:
Sofija Popovska says:

Want to know Quotes for customers who were recently in a car accident call,
866-327-3631

BadDrivingCarInsurance says:

nice share

Jeerapon sititboot says:
Statewide Insurance Group says:
James Shaffer says:

**pro-tip for getting cheap insurance** Use an independent insurance agent
(not associated with GEICO, Progressive, Allstate, or any of the big guys).
You will get the cheapest rates from them because they don’t have to pay a
percentage of their earnings for the corporate affiliation. My favorite
place to use to compare quotes for the cheapest rates is
“4AutoInsuranceQuote” (Google them), but really any quote comparison site
will do.

siestakeyboi says:

Just pick the Insurance company that Least Dominates Your area. Otherwise
there is a good chance you will hit or be hit by someone with the SAME
Insurance Co..and they will screw YOU over. just saying

carnalucious says:

Hmmm. I never said that the internet or the english “languege” (yet another
typo that I don’t believe is LEET) is the property of America. When you put
someone/something down, you look like even more of a jackass when you can’t
use spell check. And I believe you did type your reply in english, no?

dsteitz1 says:

I think Allstate is the way to go! Call them at 1-888-384-6096!

Christopher Mercer says:

Insurance must be Government. Nevada Insurance: 10 Million people x
$50month New York Insurance: 25 Million x $50 month California Insurance:
30 Million x $50 month Texas Insurance: 20 Million x $50 month Kansas
Insurance: 15 Million x $50month Colorado Insurance: 20 Million x $50 month
South Carolina Insurance: 15 Milion x $50 Et Cetera

Probewitch says:

Actually I liked the looks of the car that was the example of paint
vandalism.

locochepo says:

im in the 14%

JustaEropeanGuy says:

The internet is not the property of america and neither is the english
languege. Leet speak, how ever IS! Now go fuck your self.

flaxtake5 says:

i dun hv a car but i think this will hlp in future

JustaEropeanGuy says:

How to save america’s iconomy: Step one – save money step two – buy car
Stop that credit shyte

rantdanny says:

This got promoted fast, but nice video.

grownupTv says:

guys how many bills do cars take because i want to buy a car and how much
do you pay every month for your car insurance or every year i want
intelagents xD

Eddie Mars says:

Nice graphics. Good flow. To the point.

BlitzWing00 says:

Great all around info! Two things they should have discuss a little better
is the Liability & Deductible. Liability (Third Party Liability) coverage
is probably the most important to get. It protects you if you cause damages
to other people’s stuff. If you don’t have any and run over
somebody….you’ll end up getting sued & financially ruined. Deductible is
the first amount of damages on your own vehicle not covered if you’re at
fault (meaning you have to pay this yourself).

BinkieMcFartnuggets says:

Just go with whoever makes the funniest commercial, otherwise those
companies are all wasting their time.

quez76 says:

never pay a past due amount on your car insurance, especially if you didnt
get into a car accident, its not like you can go back in time and risk an
accident…

JustaEropeanGuy says:

Where IS this amazingly awful unforgivible mistake?

kpcofvs911 says:

All these comments are great! One option I urge you to check out is MCA!
Never heard of it? lol Well pm for details on another option that certainly
can compete with AAA but have great benefits with lower cost! :)

Afrocanuk says:

In Canada, its illegal to be driving without car insurance. If you get
caught, it will be a $5000.00 fine.

brian browers says:

As long as you don’t touch e-car insurance you might be ok

Barry Lasik says:

Great auto insurance tips that will help you save big. I know because I’ve
personally used some of these to shop around and get a good rate.

cheke64 says:

I pay $55 for liability for my age is pretty good. Farmer bureau

mike riddle says:

I saved over 60% on my car insurance by comparing discounted rates using a
site my friend told me about, i thought i might share it to help somebody
out, here it is: ( discount-auto-insurance-rates . info )

ranksubmit says:

get auto insurance online,insurance quote,automobile insurance,car
insurance, insurance quotes,insurance companies,insurance policy,compare
insurance,liability insurance buycar-insuranceonline.blogspot.

AdThaDon2k8 says:

fuck thats great but your fucked when or if u get hit….Xo

carnalucious says:

Teach foreigners how to spell and punctuate.

Bob Wiley says:

This video is pretty good. It’s just easy to put off getting car insurance
once you start looking into your credit report. There’s really nothing you
can do about it other than do a better job moving forward. Good video
though.

justin91476 says:

B.S you do need insurance for everthing here in wisconsin!

groovyp says:

If you want to save money on your car insurance, try topparked com for a
free car insurance quote from multiple companies. Save hundreds!

agentforyounet says:

If you need your Auto policy explained to you by licensed agents who care
about Saving You Money give us a call at AAggressive Insurance at
954-581-8800

William Metzing says:

They saved me 40 bucks a month check them out! (877) 855-8111 You will need
this info before you call Pin-PMMX2 and Name-Metzing

CheapCarInsuranceRD says:

Awesome video!

Stephen Githinji says:

EXTEND YOUR AUTO COVERAGE Your policy is actually a package of seven
primary auto insurance coverages. Each coverages has its own separate
premium amount. Your payment is the total of these separate amounts added
together for each car listed on your policy. Here’s a list of the primary
coverages Bodily injury liability,Medical payments, no-fault
coverage,Comprehensive physical damage coverage,AND OTHERS FOR CONSULTATION
OR QUESTIONS CONTACT OUR LICENSED INSURANCE AGENTS CALL 888-312-4665

Chany14 says:

dont get mad, get glad!

Grandninja1337 says:

well aren’t you special for being first

Chad Timms says:

Very informative video and put together well. Learn secrets here.
howtobuycarinsurance(dot)org

Chany14 says:

first arsefaces!

rene ng says:

Interesting video. In real life yuo can get a better deal than that.
carinsurancequote(dot)ws

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