Every state in the United States requires that anyone who owns and drives a car has to have auto insurance. Although regulations may vary from one state to another, if you own and operate a motor vehicle and do not have car insurance then you are breaking the law.
Aside from being a requirement, automobile insurance offers you protection from liability if you were to injure another person or damage their property. And, if you are in an accident, insurance can save you repair costs as well as the cost of your own medical bills.
Accidents by their very nature are unpredictable. Anyone can be involved in one at anytime. Because of that it's very important to have the right auto insurance coverage before you even get behind the wheel of a car for the first time.
How You Can Get the Best Auto Insurance Quotes Online
You can get auto insurance quotes online for free today. Because there are fewer "middlemen" involved the quotes that you get online can save you hundreds of dollars per year in premium payments.
However, because there are so many companies competing for your business there are a number of things that you should be aware of in order to get the best coverage at the lowest price - with the least amount of hassle.
Just about any online company that offers car insurance quotes will have a way for you to contact them via the Internet. Virtually all of them ask you to put your zip code into a little box and click on whether or not you currently have automobile insurance.
What separates the run-of-the-mill companies from the ones that you would want to do business with is whether or not they have a telephone number listed on their website. If an auto insurance broker, agent, or company is legitimate they will have a phone number on their site.
But having the phone number listed is not enough. It is up to you to call it to not only see if it is working, but to see if an actual live person picks up the phone. If someone picks up the phone and answers your questions then you know you have found an online auto insurance quote company that you could work with.
In addition, some of the better companies will get you the least expensive insurance even if your driving record is blemished. In other words, if you have had suspensions, accidents, DUI/DWI, or tickets, there are companies that can get you the instant coverage that you need in order to legally drive your car.
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