Getting car insurance doesn’t necessarily have to be a pain in the butt, although there are a lots of things to take into account when choosing the right policy.

While some people tend to go cheap on the insurance trying to save some money, others spend too much on unnecessary policies that cover them from scenarios unlikely to happen.

It’s important to find balance between these two and neither overpay or underpay car insurance policy.

We offer you an easy guideline that consists of a couple easy steps to take when buying car insurance, just to make things easier and stress free for you.

Find the right amount of coverage you need

This is probably the most complicated and unpleasant of all steps because it requires a lot of thinking and careful planning.

First thing you need is liability insurance, and that is something you should be investing the majority of your funds in. The recommended amounts are 50/100/25, which means $50,000 bodily injury liability for one person, $100, 000 for all the people injured in the accident and $25, 000 for property damage liability.

There are also other factors to take into account. If you’re an inexperienced driver or don’t have much confidence behind the wheel, you might want to get additional policies like collision car insurance which covers damage caused in car crashes.

There is also comprehensive coverage that covers other scenarios that exclude car crashes, like fires, floods, theft and others.

Check your driving record

Before rushing off to get car insurance, make sure you’ve checked your driving record. The number of tickets you’ve got determines the price of the insurance, so if you have points or tickets that are soon to expire from the record, wait for a little while until they’ve disappeared, and you could save yourself a lot of money.

Look for comparative quotes

With this many online services that offer comparative quotes, it’s never been easier to look for the cheapest option.

This might take a couple of hours of your time, but since you can save up to a couple hundred dollars, it’s definitely worth it. It does take a long time to fill in the insurance rate quote, but don’t give up until you’ve gotten enough info to compare your results.

Some companies don’t provide you with rates straight away and they contact you via e-mail later, while others don’t have online quotes but provide their services over toll-free phone numbers. Don’t be lazy and ask around before making the final decision.

Keep an eye open for discounts

Finally, there’s always a lot of ways to get discounts on your car insurance. Insurance companies offer a whole range of discount, some based on your occupation, some on your driving record and other factors.

For example, members of military and their family members receive a discount in most insurance companies. Ask about the discounts the company is offering and see if you’re eligible for any of them.