Shopping for a Car Insurance Policy

When shopping for car insurance Culver City residents need to keep a few things in mind. You want to start by getting quotes from different agencies so you can make sure you are getting the best deal and coverage for your needs.

What You Need for a Quote

In order to get a quote as quickly as possible, it’s important to have everything you need ready to go. You will need the date of birth of the drivers you want to list on the policy, the storage locations of your vehicles, driving records, VIN numbers, the history of any claims made by drivers on the policy, and driver’s license information. Some of this information may not be required up front in order to get a quote, but they can determine your rates so you will need this at some point. An insurance company may also pull a Motor Vehicle Report, which is an abstract of your driving record. Insurance companies will use this report to see what kind of driver you could be. If you are providing inaccurate information to your insurance agent, then your premiums will reflect that.

Getting the Best Rate on Car Insurance

If you want to get the best rate on your car insurance Culver City residents should shop for a new quote every year. Life is constantly changing, and your car insurance needs may vary slightly from year to year. If you want to save money on car insurance, high premiums may be because of the car you are driving. Comprehensive and collision coverage can be more expensive if your vehicle is newer. While comprehensive and collision coverage may not be required in the state of California, if you are taking out a loan or have a lease on your car you may have to get certain limits and can’t get around this policy. However, if you are done paying off your car and drive an older vehicle, you may be able to drop the collision and comprehensive coverage since you could be paying more in insurance than what your car is worth.

To save money on premiums, choose the highest deductible possible. If you have a $1,000 deductible instead of a $500 one, then you pay less up front, but you will be responsible for more out of pocket if you have an accident. Ask an agent about any discounts. Insurers will offer many different discounts, including lower rates for drivers with shorter commutes, students with good grades, or for cars with safety devices installed. If you are over the age of 55, you could have a lower premium if you pass a defensive driving course. Try bundling other insurance options, such as home or renters’ policies, for additional discounts.