Auto Insurance

Not all insurance plans are the equal. For the most part you want to compare what they call comprehensive (not caused by collision such as vandalism or theft), collision (as the name says it), and liability (when it’s your fault). Typically you’ll see a set of three numbers X/Y/Z such as 15/20/5, 100/300/50, or 25/50/15 ($25,000/$50,000/$15,000). They represent numbers in thousands and stand respectively for Bodily Injury per Person/Bodily Injury per Accident/Property Damage. So if your plan has 50 ($50,000) for Property Damage and you wreck into a business building and cause $60,000 in damages your insurance would pay the $50,000, but you would have to pay the remaining $10,000. Make sure you know those numbers, and also use them when comparing pricing with different insurance companies.

You can also negotiate pricing, I’ve done it. If you get two quotes that are close you can tell company X that company Y is offering you Z price and if they can do better. If it’s not too much they will give you a better deal.

You can always open a browser with tabs of all the websites and submit your information to all to get quotes. Then just narrow down. But remember to compare the aforemention. Full coverage means they’ll pay what the car was worth at the time of the loss, not how much you originally paid for.