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Comparing online auto insurance quotes

Finding auto insurance quotes online is a great way to start shopping for auto insurance. The recent deregulation in the auto insurance market has meant that many people are discovering that they can save hundreds of dollars a year by switching auto insurance providers or even just making some minor changes to their existing policy. Of course, it is important to pay attention to several things when looking for online quotes.
To start, it is critical to make sure that the quotes you are comparing are offering you the same level and type of coverage. To do this, look at the type of policy that is being offered, the maximum amount of coverage, the deductible, and any restrictions on the policy.
Auto insurance policies generally come in three main categories. Basic or standard policies offer just the minimum amount of coverage that is required in a driver’s state. Collision policies will pay out for both your damage and the other driver’s damage if you are responsible for causing an accident. Finally, comprehensive policies will cover not only accidents but also crime events and damage from natural disasters. Obviously, the more complete the coverage you select, the more expensive the policy will be. When comparing rates online, make sure you are comparing the same type of coverage.
Next, make sure that the policies you are looking at offer the same maximum level of coverage. Some very cheap policies offer such a low level of coverage that it is possible you will have to pay out of pocket in the event of an accident. Other policies might charge you a lot for coverage that you likely will not use.
Finally, make sure that the deductible is the same across every policy that you compare. Having a high deductible is a good way to save money on a policy, but it can also mean that you will have to pay more out of pocket in the event of an accident, crime, or natural disaster. A lower deductible can cost more, but it can be a good idea for someone who doesn’t have a lot in savings.

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