Car insurance is one of those things that nobody likes to have to buy. That is, until you get into an accident. So auto insurance can become your best friend.
And, even if you never think you’ll be in a car accident, the law in most places still requires you to buy insurance.
But just because auto insurance is required doesn’t mean you shouldn’t try to get the cheapest insurance you can.
A great way to reduce your insurance costs is to shop around; It’s always better to have more options than less when looking for a car insurance quote.
Another way to get cheaper insurance is to try to qualify for discounts. A big discount: providing two vehicles on the same policy.
Why insuring two vehicles can be cheaper
Auto insurance companies want your business. Of course, they would prefer to insure two vehicles with you rather than just one. In fact, they are willing to give you a discount to achieve just that. Some insurers will even charge you the exact same amount to insure two vehicles (eg a car and a truck, two cars, etc.) as they would to insure one!
But how can they do that? Well, one of the reasons is limited liability. After all, insurance companies know that if you have two vehicles, you can’t drive them at the same time. Therefore, your chances of being in an accident are about the same with two vehicles as with one.
3 Steps to Get an Auto Insurance Quote for a Car and Truck
Here are 3 steps to get an auto insurance quote for more than one vehicle:
1. Create a list of at least 5-7 insurance companies: Would you rather buy a pair of jeans at a store that only has 10 pairs of jeans in stock or 1,000 pairs? Having more options is a no-brainer, right? And yet, many people shopping for auto insurance make the mistake of only getting one or two quotes before selecting a lender. Don’t make that mistake! Do your research online and create a list from multiple insurance companies.
2. Have your vehicle information ready in advance: Prepare the make, model, year, license plate number, and VIN (vehicle identification number) of each vehicle ahead of time. Having it handy will make your calls go faster.
3. Call at least 3-5 of the companies: Call at least 3-5 of the companies you found in Step 1 above. Very important: For apples-to-apples estimates, be sure to get the same types of coverage (liability coverage, collision coverage, comprehensive coverage, and medical payment coverage, as needed) and coverage limits (deductibles, maximum amounts coverage per person and per accident, etc.).
Follow these 3 tips to get the cheapest auto insurance quote possible for a car and truck.
