Buy Insurance

You’re looking to save money on car insurance, and you know you have to comparison shop to find the best deal.

You need an auto insurance policy that covers your needs (without going overboard) and doesn’t cost an arm and a leg. Take these steps to make sure you’re getting the best deal:

1. Know your state limits
Nearly every state requires some form of auto insurance. If you drive uninsured or underinsured, you risk traffic citations, having your car towed, or even a potential loss of license depending on where you live. Know what’s required in your state before you sign up for a policy.
2. Gather your info
Finding the best deal often comes down to knowing what you need. Before you compare auto insurance policies, get to know the basics of your ride:
  • Year
  • Make
  • Model
  • Special features
  • Safety features
It also helps to spend some time thinking about how you drive. Commuting to work every day or planning a big road trip this year? You likely put more miles on the road. However, if you’re working remotely and only using your car for occasional errands, you might get a discount as a low-mileage driver. And don’t forget to add your spouse, family members, or anyone else who regularly drives your car to your policy!
3. Choose your coverage levels

Auto insurance isn’t one-size-fits-all. While you can tailor your policy in several ways, auto insurance breaks down into three main types:

Liability: Covers the other drivers on the road and meets most state’s legal requirements, but won’t protect you if you’re involved in an accident.

Collision: Provides protection against road accidents. If you’re involved in an accident, your insurer will cover all or part of the cost of repairing or replacing your vehicle, depending on your coverage limits.

Comprehensive: Protects you against practically everything else that can happen to your car. That includes damage from natural disasters, vandalism, and theft.

4. Decide if you need full coverage
A full coverage policy typically encompasses liability, collision, and comprehensive coverage. If you’re involved in an accident, full coverage pays for injuries and damages for both you and the other driver. You’re also covered if your car is damaged or stolen and not recovered.
Full coverage is great to have, especially for drivers who frequently park on busy streets, but not everyone needs it. If your car is an older model, typically parked in a garage, or not driven heavily, you may save money by cutting down on insurance.
Not sure what you need? The licensed insurance agents at Gabi can help you choose the perfect coverage level for you!
5. Compare
Once you have an idea of what to look for, request quotes from multiple insurance providers. Rates for the same coverage can vary widely from insurer to insurer, so it helps to compare at least three policies — and up to as many as you want.
You can compare policies by contacting insurance providers directly. For an easier way, use a comparison site like Gabi to see multiple policies from nationwide providers in just a few minutes (or less).