Car-Insurance-Shopping-Made-EasyOnce you have purchased a vehicle your last step to getting it on the road is making sure that the vehicle is insured. Insuring your vehicle can be simple as long as you know what you're doing. If you have shopped for insurance before then you already know that it doesn't always happen right away, sometimes you will need to look around for a little while before you find a company that fits your needs. After reading this article though, you should be well informed and well on your way to getting great auto insurance!

Quotes, Quotes, Quotes

Now, when you start looking for insurance for your car the first thing you will need to do is call around and get an array of different quotes and estimates. When an agent gives you a quote they are showing you an estimate of what it would cost you to insure your vehicle with that company for normally either 6 or 12 months. Different agencies will hike up prices for different driving offenses so it is important that you call around and get as many quotes as possible. Taking a few extra hours to make a some phone calls that could save you $500 dollars a year is worth it in my opinion.

Traffic Violations

If you have never received a ticket before for a traffic violation then chances are you are in great shape when in it comes to insurance rates. However, if you have ever been ticketed for speeding, reckless driving, or any other traffic infractions then your insurance rates will most likely be higher than the average drivers. What you can do is go to your local DMV and see if there are any classes you can take to reduce the amount of points on your driving record. If you have been ticketed before and have never taken a class online to reduce the points then you most likely will have that option available. If you have a DUI on your record, most states now require you to hold separate insurance for it, which can cost upwards of $2,000 a year. The best way to keep your insurance rates down are to drive safe, don’t speed, and do your best to avoid accidents.

What is Required?

What type of coverage you get for your vehicle will depend on whether or not you own the vehicle outright, are leasing it, or are in the process of financing it. If you are leasing or financing a vehicle then you are normally going to need to get full coverage for it. If you purchased your car or truck outright then you are only required to get the state minimum coverage for your vehicle. The price differential can be substantial. Full coverage is going to cost you more money initially but it will cover your vehicle from just about any and all accidents whether you or the other drive are at fault. If you get basic coverage such as PIP (personal injury protection) and PDL (personal damage liability) your rates will be much lower but you will not be fully covered if you are at fault for an accident. If you can afford full coverage, I highly suggest going that route as you will have less worries while you are out and about driving on the road.

Shopping for insurance can take you 15 minutes or it can take you a few days. The chances are the more you look around the better price you will get. Remember to not always fall in love with the first quote you get because there is a good chance that another insurance agency is awaiting your call so they can beat it!

Colin Quinn is a freelance writer who is currently employed by CFL Insurance Agency. He live in Orlando, Florida and spends most of his free time with his family.