I Know I Need Auto Insurance, But Where Do I Start?

Researching auto insurance can seem a bit daunting. We can help you shop smartly by clarifying some of the basics and offering valuable insights.

Man shopping online for insurance

Whether you’re buying your first auto insurance policy, changing insurance companies, or upgrading your coverage, there’s a lot to consider.

You’re the only one who can decide what’s best for your unique situation. So understanding your individual needs and your options is key.

Begin With the Basics

To find the best policy for your situation, consider the factors that are unique to your life. Things like: your age, your marital status, the number of drivers you need to insure (for example, are you insuring only yourself, or are other family members going to be included on the policy?). You’ll also need to factor in coverage considerations. For instance, do you want Comprehensive CoverageCollision Coverage, or both? The answers to these questions will help you get an accurate sense of the extent and type of coverage you need.

Going Deeper

As you go further with your research, you’ll most likely be asked broad questions about things like: Do you own a house or rent? Do you have other important investments?

These kinds of questions are necessary because truly effective insurance is designed to protect you, your car, and your assets — even some things you may not have thought about. So it’s smart to consider everything you want to protect — your possessions, investments – as well as your car and family and then determine if they will qualify for coverage.

This information will help clarify which policies, coverage options, and coverage limits serve you best.

Allstate lets you shop anonymously. Our Ballpark Estimate Tool; can get you started without even having to give your name or other personal information.

Reworking an Existing Policy

If you’re changing or upgrading an existing policy, or switching providers, make sure you know the ins and outs of your current coverage. The Policy Declarations (which is part of your current policy) is a great place to start.


Finding the Right Insurance Company

You’re giving valuable business to your chosen provider. So make sure you feel good about them. Are you getting the right insurance protection possible for the money? Will your claims process be smooth? Is the company responsive and available? How knowledgeable and experienced are their agents and staff? ... Choose a company  that lets you feel safe, listened to, valued, and supported.

If you still have questions, our Bumper-to-Bumper ® Basics virtual guides can give you the inside scoop on car insurance, quickly and easily.

Published: June 2011

*This information was obtained by the Pennsylvania Auto Theft Prevention Authority at www.watchyourcar.org. The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.

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