Purchasing insurance can be time-consuming and confusing, so when it comes to buying car insurance and homeowners insurance, who wouldn’t welcome the chance to take care of both at once? Many insurance companies give significant discounts to clients who buy more than one type of insurance with them, so it pays off to compare home insurance quotes and car insurance quotes at the same time to find out how you can save the most amount of money and still get the coverage you need.
Compare home insurance quotes and car insurance quotes for the best coverage
When you’re buying car insurance or homeowners insurance, requesting quotes through an online comparison site is simply the fastest and most efficient way of getting all the information you need to make an informed decision. Obviously, the type of coverage you need depends on a lot of different factors, such as the type of car or home you own and how much they’re worth, how many dependents you have, and how much you can afford in premiums and deductibles. With an online comparison site, you can put all of the different quotes side by side and see what each offers and how much they’ll cost you each month. In addition, you can take advantage of any special deals or discounts that are only offered online and apply specifically to customers who want to buy car insurance and homeowners insurance at the same insurance company!
There are a lot of people who go out of their way to avoid taking in roommates because of the host of complications it entails. Perhaps you’re even one of them. But if you stopped for a moment to consider that having a roommate could save you money when buying car insurance, would you change your tune?
Many people wouldn’t – cohabitation can be a real pain the neck at times. But there are many people who’d jump at the chance. If you’re looking for ways to save money, living with another person (or persons) could provide pretty big car insurance savings. How so? Consider the fact that multi car insurance policies don’t just apply to family members. If you share a dwelling with someone and you’ve each got your own car, you can qualify for a multi car discount on a single policy.
Of course, there are times when doing so isn’t the best idea in the world. Say, for example, you have a great driving record but your roommate’s leaves a lot to be desired. In this situation, it won’t save you any money – in fact, it might even cost you (the safe driver) more. But if you’re lucky enough to share living quarters with someone that’s got an equally impeccable driving record, there’s no reason you shouldn’t consider buying car insurance together and taking advantage of the savings – which average out to be about 25 percent.
Getting car insurance quotes online is one of the easiest ways of comparing and buying car insurance. No matter where you are, so long as you have an Internet connection with your computer, laptop or smart phone, you can go to an online comparison site and request a free quote. What follows are five frequently asked questions about requesting car insurance quotes and buying insurance online.
- Does my car insurance policy have to be in the same name as my car loan? Yes, it does. Lenders require that the person responsible for the loan provide adequate insurance for the vehicle.
- I’m learning to drive with a learner’s permit. Do I still need insurance? Yes, you do. All vehicles on the road are required by law to be properly insured, which means that even if you don’t have your driver’s license, your name should still be on the car’s insurance policy.
- Do I need underinsured or uninsured motorist coverage? This depends on your state’s minimum coverage requirements and your own comfort level. Underinsured or uninsured motorist coverage can be invaluable if you’re involved in an accident with a driver who isn’t insured.
- Can I transfer my policy when I buy a new car? Yes, all insurance carriers will be happy to transfer your policy to your new car, though you’ll probably pay higher rates for a newer car.
- Are online quotes legally binding? No, they aren’t. If you like a quote, you can take the next step in buying car insurance, which is to fill out and sign the actual paperwork.