How to Get the Best Split Limit Liability Rates

Traditional split limit liability auto insurance is very easy to research and apply for online or face to face via an insurance agent. In order to get the best rates, comparison shop and look for the best coverage at the lowest rate with an insurance carrier with a sterling reputation.

Step 1

Gather all of your information for coverage. This includes your car, make and model information, latest mileage reading and current coverage policy number. You will also need your driver’s license number, social security number and finance company information.

Step 2

If at all possible review your credit report before applying for new car insurance coverage. Many car insurance companies now use credit reports as an indicator of financial stability. If needed, take the time to conduct some credit repair before applying for new car insurance in order to approve your coverage rate.

Step 3

Choose several sources for policy quotes. Online, you can choose companies like Geico or 21st Century or others that are dedicated to that specific company’s insurance policies. There are also auto insurance company clearinghouse sites that allow you to view side-by-side comparisons of policies from several different companies. Additionally, clearinghouse sites provide you with information about the rating of the different insurance companies. Finally, you can approach a face to face insurance agent and ask for a quote comparison for several different companies.

Step 4

Complete a preliminary application to receive quote information and compare policy quotes.