With millions of cars on the road every day, car insurance is a must to protect yourself and the passengers in your car. Depending where you live, you might only drive locally through main streets to pick up the kids from school. But if you are a busy-body and need to drive long distances on the highway every day to get to and from work, finding affordable insurance is essential for your car. With so many insurance companies to choose from, here are five important tips for purchasing the right car insurance.

1. Find the correct coverage.
Finding affordable insurance for your vehicle is a challenge because there are several stipulations that could increase your premium. Before signing a car insurance policy, it is important to know how much coverage you need.As a general rule, minimal coverage only offers minimal protection. That means the most basic coverage, might not be enough. By answering the following questions, insurance companies can help you decide which coverage you need to protect you and your loved ones while on the road.
- Are you a homeowner?
- Do you own your own business?
- What is your net worth?
- Is the model of your car brand new or an older model?

2. Know your driving history and car information.
Insurance companies want to know certain information about yourself and the people you want to add to your policy. If you are not prepared with the answers, they will tell you to go back and do your research. Here is the essential information you need to provide for insurance companies to getthe proper quotes.
- Order an official copy of your driving record from your local DMV.
- Order copies of driving records of the people you want to add on your policy.
- Have the information of the model, make, and year of the type of car you drive.
- Know the age and value of your vehicle.
- Know the name and model of any anti-theft devices that are installed in your car.
- Have an estimation of miles you drive each year.

3. Compare multiple quotes.
The key to finding the most affordable insurance for your car is to shop around and get multiple quotes. Do not commit to one insurance company because you could lose out on a cheaper deal. Request multiple quotes from at least 3 to 4 insurance companies, then decide which coverage fits your budget.

4. Review policy documents
Before signing your car insurance policy, make sure it includes the right amount of liability coverage for bodily injury and car damage.If you have any questions or need clarification,ask your insurance agent to explain. Remember, agreeing to a policy is a legally binding document and you need to know exactly what you are paying for.

5. Set up recurring payments.
Ask your insurer about their payment plans. Once you agree on a payment schedule, be sure to set up automatic recurring payments in your bank account, so you avoid late or missed payments.
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