How do you buy auto insurance?

Answers: You call reputable companies surrounded by and around your area and compare their rates. Some are more expensive than others, always depending on your current driving situation. They hold standard questions that they ask you for and you sign with the one that offer you the best coverage at the most affordable rate.
From an auto insurance company. Try Gieco or Progressive.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limitations of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see almost undisclosed accident involvement.

The best thing to do is phone call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be capable of help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will typically have a dozen different companies and if he cannot help you, he should be network with other local agents that can.

In my agency, we have companies that do NOT run a credit mark and welcome drivers with "smaller number than perfect" driving records and specialize in little operators!

Stay away from all of the cars that you would LIKE to be driving and settle for something more dull - don't mix numbers and letters (300ZX, Z28, 240Z, Z71, M3, Z3 and the like) - instead, lean toward the 4dr sedan like Toyota Corolla, Nissan Altima. If you want REALLY CHEAP - look at the KIAs and Hyundais - but, you bring what you pay for.

Most of the replies on this site say "walk to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user near a script to work from and you won't be able to talk beside the same person every time you hold a problem!

Good luck, drive RESPONSIBLY and I hope this helps! Source(s): Insurance agent for 27+ years

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