Whether you’re renewing your current auto insurance or purchasing coverage for the first time, you’re going to want to compare the rates of several companies before making your decision. It is recommended that you compare the premium rates for up to 6 companies when you start shopping. The easiest way to make these comparisons is by going online and getting several auto insurance quotes that way. At least for the time being, you won’t have to hassle with going from agent to agent and driving all over town in the process. A Brief Word about Coverages With the single exception of New Hampshire, every state has minimum liability coverage requirements that all drivers must meet in order to drive legally. These minimums apply to bodily injury and physical property damage. However, there are other coverage options to consider including: • Collision • Comprehensive • Medical payments (MedPay) or Personal Injury Protection (PIP)* • Uninsured/Underinsured Motorist (UI/UIM) Make sure that you are comparing the premium costs for the same coverage with each of the companies that you are considering. It’s very easy to get trapped with your existing auto insurance, especially if you have been happy with your insurer. So it is important that you do an auto insurance review at least once every year. This could save you hundreds of dollars in the future. Why is it so Important to Compare Rates? Whenever you are conducting a review of different companies and their coverage rates (or if you have done this before in the past), you will probably see different premium rates for the same coverage. This is based in part on the different factors that auto insurance companies take into consideration when determining premium rates for their clients. Aside from your personal information, they look at your credit score, driving history, and vehicle. This is just one of the reasons for comparing auto insurance costs. The following is a list of the key reasons to do so: Insurers change their rates in order to remain competitive – for instance, if one company offers “accident forgiveness”, you can be that other companies will follow suit and develop ways to lower rates and save money. People’s insurance needs change – just as the circumstances in your life oftentimes change, the same holds true where you auto insurance is concerned. This is why the needs of a 20-year old differ from those of someone who is 40. Certain life events that change your car insurance needs include: • buying another vehicle (new or used) • getting married • having children • purchasing a home • reaching certain milestone ages By comparing auto insurance premium rates, you’ll be able to find the best rates that facilitate these changing needs in your life. Just remember that it is easy to compare premium rates online. Advantages of Online Auto Insurance Quotes The first thing to remember when you are comparing auto insurance is that it all comes down to making an educated, well-informed decision. The following are the 5 advantages of comparing your auto insurance costs: It can help you find the right insurance policy – every person’s auto insurance needs are different so it is important to find the right coverage and policy to meet your specific needs. Your search can easily be customized in order to find the best rates. It can make your search easier – today’s online comparison websites are convenient and easy to use. Instead of contacting each insurer or visiting an agent in person, you can make your comparisons in the comfort of home. It can save you money – obviously the goal when comparing Auto Insurance Fresno costs is to save you money in the long run. When comparing rates online, it gives you the advantage of being able to quickly assess the rates offered from multiple insurance companies. It enables you to shop by your schedule – calling around to different insurance firms or going to every agent is far too time-consuming. You can sit down at your computer and shop for auto insurance rates anytime you like. You can get insured immediately – once you have made your decision, it only takes a few keystrokes to purchase your auto insurance and be fully protected. You should also be able to print your insurance ID and proof of insurance card.