Comparing insurance quotes online is a quick way to find out who offers the best Texas insurance coverage for the lowest price. However, there is more to comparing the quotes than just looking at dollar figures. Here are some other things you should look for when making your online comparisons.
For auto insurance:
- Specific information on your car.
An online quote may only ask you for the make and model of your car. It may not ask you about safety features, security features, and other things that could make a difference in the amount of your insurance premiums. When you are visiting an insurance rate quote website, look for one that goes into more detail about your car than just the basic information.
- Driver Information
You may only be asked such questions as how long you have been driving, your age, and where you live. However, such things as whether or not you have taken a defensive driving course, your marital status, and other things can again make a difference in premium amounts. Again, you should look for websites that ask for more than just the bare minimum information.
For home insurance:
- Specific information on the type of home you have.
Depending on the building materials used in your home, especially if you have remodeled within the last few years, your insurance premiums may be lower or higher.
- Does coverage include flood damage?
This is very important, as many home insurance policies do not. You must purchase separate flood insurance. Unfortunately, a lot of people don’t realize this is the case until a flood occurs and their claim is denied.