Question: I am buying personal auto insurance for the very first time. Do you have any tips on what to look for in a quote? Thank you in advance.

Answer: Buying personal auto insurance can seem confusing even for people that have been doing it for years.  Since this is your first time it will be especially intimidating, but by following the tips below you will do just fine.

The first thing is to find out what the policy will cost. You can call any insurance agency or company and request a quote. This is a free service and you are not required to purchase the insurance policy that is quoted to you.

The only tried and true method of finding the best rate is to call many companies for quotes. If you require additional insurance such as theft then make sure you inform the agent of this when requesting a quote.

The minimum required insurance will vary from state to state. The minimum insurance will usually be enough to cover a minor accident, but it may not be enough coverage for a total loss. We recommend to purchase as much additional insurance as you feel comfortable with.

You can usually get a lower monthly bill by agreeing to pay a higher deductible in case of an accident. For instance if you agree to a one thousand dollar deductible instead of a five hundred dollar deductible then you will pay less per month, but you will have to pay the first one thousand dollars out of pocket if you are involved in an accident.

Good luck in finding the perfect personal auto insurance for your specific situation.