Insurance rates are on the rise for 2011, so it makes sense to do a little auto insurance comparison to lock in the best possible rate for your budget. But when you compare car insurance rates, what should you be looking for? After all, buying the best car insurance means more than just finding the lowest car insurance rates. There are actually four factors you should consider when looking for the cheapest car insurance for your dollar
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1. Direct Insurance vs. Insurance Agencies
A direct insurance company is one that only sells vehicle policies, and you deal directly with the insurance company, not through an agent. Insurance agencies handle several different types of insurance (home, auto, and life, for example) and you deal with an agent who acts on your behalf. Direct auto insurance may be cheaper, but for some policyholders, dealing with an agent is more pleasant than dealing with a customer service representative at a direct company. In addition, agencies may be able to extend discounts if you have all of your insurance policies with them.
2. Liability Only vs. Full Coverage
