Quick guide: 5 tips to get a better auto insurance quote

1- Assess your insurance coverage needs

Start by figuring out what kind of coverage is right for you. Civil liability insurance is mandatory when purchasing auto insurance. A vehicle insured for liability only is said to be covered “on one side.”

This means that if you’re at fault in an accident, only the damage caused to others will be covered. Any damage to your own vehicle won’t be. So make sure you’re financially prepared to cover those costs in case of a major loss or total write-off.

Collision or upset auto insurance coverage protects you “on both sides”—it covers damage you cause to others and to your own vehicle. This type of protection is often recommended and may even be required by your financial institution or leasing company.

You can also opt for all perils except collision or upset, which covers:

• Fire, theft, and vandalism
• Glass breakage
• Weather events like wind, lightning, or hail
• Objects that fly, fall, or are projected

Lastly, try adjusting the deductible or estimated annual mileage to see how it impacts your premium. You can tailor your coverage to fit both your needs and your budget.

2- Gather your vehicle information

Make sure you have the following details handy:

To make the process even easier, fill out an auto insurance spec sheet and keep it with your insurance papers—it’ll always be within reach.

3- Collect information for each driver

For each person who will be listed on the policy, gather:

4- Consider adding optional coverage

Some insurance coverage add-ons—like Automax or Roadside assistance—can improve your protection. Another useful one is replacement value coverage, which allows you to get a new vehicle with similar features if yours is stolen or written off. This protects your car’s value against depreciation. In the case of partial loss, repairs will be done using brand-new parts.

5- Explore every opportunity to save

The online car insurance quote process is streamlined from start to finish. Just answer a few simple questions from our automated assistant, and you’ll get the best available rate in minutes—locked in for 120 days.

Want to continue later? No problem. Once you have the first quote, you can save it and come back to complete it anytime. And if you need help along the way, you can still talk to an agent at any point.

Don’t hesitate to ask questions, compare options, and choose the policy that suits you best. Sometimes, a few small changes can make a big difference in what you pay.