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Shopping for car insurance can be a tedious, tiresome and stressful experience. Especially, when you are trying to get the best price by comparing quotes from multiple companies. Filling out confusing forms, trying to keep track of rates and coverage from different insurance companies can be impossible. This is where RateInsider.com comes in to simplify the entire process.

RateInsider.com not only helps to remove the hassle of comparing auto insurance quotes, but it can also help to save money. Millions of people are overpaying on their auto insurance policies, mainly because they are paying for extras they don't need. RateInsider.com helps to avoid those extra costs by gathering information from you through a short series of simply worded questions, then connects you to insurance agents who will provide quotes for optimal coverage. RateInsider.com makes shopping for car insurance easy, and quick, as it only takes a few minutes to fill out the information we need to go to work.

Car insurance is not just a product that protects your assets, it is a product that virtually all states require that you purchase and maintain. While car insurance is generally a state-mandated requirement, it can be a complex product that is difficult to understand. This is why it is imperative that consumers buying insurance for the first time educate themselves on the product and the insurance market before they buy a policy that leaves them vulnerable when they are behind the wheel.

When it comes to auto insurance, price is extremely important. While everyone should comparison shop to find the best deals, price should not be the only factor that you are concerned about. Before you even begin to request and compare auto insurance rate quotes, you should get started by learning the auto insurance basics. Here are some of the most popular Frequently Asked Questions and the answers that will help steer you in the right direction:

Do All Drivers Need Auto Insurance?

When you are newly licensed, it is only natural to wonder if you truly have a need for auto insurance. There may be parts of an auto insurance plan that you do not need, but in virtually every state in the nation it is illegal not to carry a minimum amount of liability insurance when you are operating a registered vehicle on public roads.

  • State Requirements. Liability insurance is typically required in states that operate under a tort system. Tort-based systems require that the driver who is deemed at-fault for an accident pay for the damages that they cause. Since liability insurance covers damages to a third-party, it helps to ensure that anyone with a driving privilege will be able to pay for a limited amount of damages. In no-fault states, you may also be required to carry Personal Injury Protection, which pays for your own medical bills regardless of who is at-fault.
  • Financial Risk Protection. The odds of you getting into an accident at some point in time throughout your life are pretty high. The more you drive, the higher these odds get. Insurance is more than just a state-mandated requirement that vehicle owners must comply with, it is also a form of protection that these drivers need. A major accident, and even sometimes a minor one, can lead to major financial obligations that can affect you for years if you do not have adequate coverage. Liability coverage will help protect your finances, wages and assets if your limits are high enough. If you add on additional forms of protection, you can also breath a sigh of relief that you do not have to pay thousands of dollars to repair your car or to buy a new one. If you want to pass the financial risk associated with driving on to a large, wealthy entity, you can do this by buying a fully comprehensive plan.

Is the Minimum Liability Limit Enough?

Insurance is not one-size-fits-all. There are, however, liability limits that you will be required to carry by law. These minimum limits will ensure that you are complying with the auto insurance liability laws, but they do not mean that you will be sufficiently covered. You must consider what assets you have to protect and what the financial consequences could be if you were in a catastrophic loss and chose to carry minimum Property Damage and Bodily Injury limits.

Generally speaking, agents will recommend that you carry no less than $100,000 per person and $300,000 per accident in Bodily Injury. These experts also recommend carrying at least $50,000 in Property Damage coverage so that you have protection in case you are in an multi-car accident. If you have a home and other assets to protect, consider higher limits. A general rule of thumb is that the coverage level you should carry will get higher as your assets grow. This helps ensure they are not vulnerable if you are sued because of damage that you cause in an at-fault accident.

What Types of Auto Insurance Coverage Can I Purchase?

There are several coverage options that you can choose from when building your own auto insurance policy. Some of the options are mandatory and others are considered to be optional depending on legislation in your state. Here is a breakdown of the options and how they work to protect you or a third-party driver:

  • Bodily Injury and Property Damage. Bodily Injury (BI) and Property Damage (PD) are the two coverage types that make up the liability coverage category. Each is required by law and the law will mandate how much coverage you can carry at a minimum. Bodily Injury will pay for damages when someone in the other vehicle is injured or dies because of the injuries sustained in the accident. It may also pay for a pain and suffering judgement in states where this is permitted. Property Damage will pay up to the limits on your policy for the repair or replacement of third-party vehicle(s).
  • Uninsured Motorist/Underinsured Motorist. Some states now require drivers to carry Uninsured Motorist protection (UM) due to the fact that there are so many uninsured drivers on the roadways. While uninsured drivers are penalized and fined, it is not out of the ordinary for the rates of drivers without insurance to be as high as 20%. To protect yourself against these irresponsible individuals, you can carry UM which will pay for your medical bills if the at-fault party did not have liability coverage or had low limits that would not cover all of your medical bills.
  • Medical Payments or Personal Injury Protection. In no-fault states, where parties pay for their own medical bills regardless of fault, Personal Injury Protection (PIP) is a requirement. This will pay up to a stated amount for your passengers' or your medical bills, treatment, rehabilitation, and lost wages. Medical Payments is available in states where the at-fault parties pay for the damages that they cause. In these states, you have the option to buy Medical Payments (MedPay) to cover a limited amount medical costs. MedPay pays out no matter who is at-fault so that you can get immediate care even if you do not have health insurance.
  • Comprehensive and Collision. Comprehensive and Collision are two forms of Physical Damage cover that are not required by law. They each pay for the repair or replacement of your vehicle when it is damaged or totalled. Comprehensive will pay if the damage was due to a fire, theft, vandalism, collision with live animal, glass breakage or other non-moving losses. Collision will pay when the vehicle is being operated. The state does not care if you carry Physical Damage cover, but if your vehicle is leased or financed the lessor/lender will. Your contract requires you to maintain full coverage to protect the lender's interest in the car until it is paid off. Keep this in mind as you quote car insurance.

How Will My Rates Be Determined?

The insurance industry is all about risk, and to calculate your rates the insurer must determine how much risk you present and how likely you are to get into an accident. To do this, the agent will ask you many questions. The answers will be used to personalize your rates. Many different factors can either raise or lower your base premium.

Some of the factors that will affect your rates include:

  • Age, gender, years of driving experience
  • Safety record of the vehicle
  • Driving record and accident record
  • Annual mileage
  • Vehicle usage
  • Occupation
  • Garaging zip code
  • Credit score
  • Types of coverage and limits that you carry

Do You Have Advice For Me When Buying a New Policy?

Many people focus strictly on price, but you also need to be sure that you build a good policy and do business with a trusted carrier. Your policy is only as good as the provider you buy it through. You should be sure to check into the company's financial rating and their complaint index before you trust that they will cover claims that you file.

If you want to keep your premiums low, there are ways to do so without buying a policy with the bare minimums. You may want to carry a high deductible to keep down your rates if you are a young or risky driver. If you have experience in another state, get your previous license number for more experience credits. If you need property, life or health insurance, do business with a company that offers all of them and you can get multi-line discounts. Insurance all of your vehicles with the same company and get multi-car rates. There are several ways to save without dropping down your limits.

What Is the Best Way to Price Auto Insurance Rates?

There are several ways that you can price rates with several different insurers. Comparing the rates through 3 or more insurers is best when you want to find a bargain. The most effective way to compare rates through more than one insurer is to use an online rate comparison tool that will connect you with multiple reputable insurers and give you the rates instantly.

How does RateInsider.com work?

We work with thousands of insurance agents who represent top auto insurance company brands. By following these six simple steps you could be quickly on your way to saving hundreds of dollars a year:

  1. Fill out our simple online form. It asks simple questions and only takes a few minutes to complete.
  2. In order to get connected to the best insurance providers in your area, you will need to provide amount of desired protection, your location, current insurance policy and driving habits.
  3. Once RateInsider.com has all the information needed, we go to work searching for the insurance companies or agents providing policies that best match your needs.
  4. While you are waiting to be contacted by the insurance providers we have chosen for you, you will see a list of insurance companies to get quotes directly from.
  5. With different people offering you different prices, be sure to compare policies and pricing. You may be able to get a great deal on a killer policy, just because you checked out a couple places first.
  6. Make sure to consider any extras that may be offered by auto insurance companies, such as 24/7 customer service and Road Side Assistance.

What information is required to get car insurance quotes?

Below is the information our partner insurance agents need in order to provide you with an insurance quote:

  • Basic contact information includes your name, house address, phone number, and email address.
  • The information from the vehicle needed is the year, make, model, current mileage, owner status, and the estimated yearly mileage driven.
  • Information on the driver needed is the driver's age, education, and occupation, any accidents, violations, or claims from the last five years.
  • Your current insurance policy information is required, if any.

What happens after RateInsider.com provides quotes?

Once all this information has been provided to us, there is only one more thing you will need to do. Sit back and relax. Before long the agents we matched you with will begin sending you quotes for your auto insurance. Once the quotes come in, its up to you to choose which policy you like the best or which price best fits your budget. RateInsider.com took care of the hard part, the initial contact with the proper companies.

Is RateInsider.com an insurance company?

RateInsider.com is in no way, shape, or form an auto insurance policy provider. We are a free auto insurance referral site dedicated to helping anyone succeed on the quest to locate the best price on their auto insurance. All insurance policies must be purchased through one of our referred insurance companies or agents. Any support issues, questions, claims, must be handled through the insurance company or agent you chose.

Is RateInsider.com free to use?

Another great thing about RateInsider.com is the fact that it is totally, completely, 100% free. Yes, free. We are here to help you. This site is dedicated to helping individuals find the auto insurance policy that fits their needs best, and we pride ourselves in providing this service to individuals at no cost. We are compensated by our insurance companies and agents when we provide them with successful referrals.