When shopping for car insurance you may have questions like
- What’s the best car insurance company?
- Where can you get the lowest premium?
- What coverage should you buy and how much?
- What’s the best way to compare car insurance coverage and rates from various companies?
We’ve made it easy to pick the best car insurance to meet your needs and budget in just 5 steps
1.Decide the coverages you need
Before you start shopping for the best car insurance, pick the coverages you need for yourself and your car.
- Liability only or “full” coverage?
- Deciding on car insurance limits: How much coverage do you need?
- $25,000 to cover costs related to the injury or death of 1 person per accident
- $50,000 to pay for more than one person per accident
- $25,000 to cover the costs of all property damage per accident
- How much Personal Injury Protection (PIP) do you need?
- What deductible do you want?
These are just some of the key questions you’ll need to think about when looking for the best car insurance–especially when comparing .
At Liberty Mutual, we’ll ask you all the right questions so you’ll get the coverage that meets your needs.
2.Decide on optional coverages
Most insurers will offer special optional coverages that can include
3.Research the financial health of several insurance providers
The financial health and stability of your insurance company is important! If you have a covered claim, you want to make sure that your company can pay it.
The best ways to compare the creditworthiness of car insurance companies is by using one of the 3 independent online ratings companies, such as.
Each agency uses its own standards for evaluating the financial health of insurance companies. You’ll also want to make sure to do business with an insurance company that has served policyholders for a long period of time.
4.Shop around! Get several quotes and compare car insurance.
You already know the importance of getting more than one car insurance quote and comparing rates and coverages. But when you do, make sure you’re using the same information so you’re accurately comparing coverages, rates, and companies.
For example, if you need “full coverage” and want $500 Comprehensive and Collision deductibles, be sure that all of your quote information is the same for every quote. It’s important because the premium difference between a $500 deductible and a $1,000 deductible will greatly differ. You just want to make sure your quotes are comparing car insurance rates in an apples-to-apples manner.
5.Confirm you’re getting the best price
Don’t forget to ask about offered by an insurance company when comparing car insurance quotes. Discounts can make a big difference in how much you pay for your policy.
Common discounts that can lower your auto insurance premiums include1
- Buying online
- Enrolling in a preferred payment option like setting up an automatic payment linked to your bank account
- your car insurance with your home insurance or multiple vehicles
- Participating in a safe driving program like
- Being a good student or away at school for teens or young drivers
- Being an active, retired, or reserved member of the military
At Liberty Mutual, we make sure you’re getting the coverage you need by asking you the right questions–including finding any applicable discounts that can help lower your rates.