The first things one must look at on all his/her car insurance quotes are the cover limits of the quotes. What this means is that the person getting the insurance quote must look to see if the motor insurance quote covers all his/her needs in terms of security. There is little point in getting vehicle insurance that is only limited to the cover of loss due to fire when you live in a neighbourhood full of car thieves and chop shops. It is also important to look out for the things you DO NOT need. Remember, the more the car insurance covers, the more you are going to pay. The wise thing is to draw the limits of the insurance quote as close to only what you need as possible. Evaluating your own situation and your own needs before getting a car insurance quote is necessary in order to keep the process short and helping you get the best deal.
The next thing to look at in a car insurance quote is the list of deductibles in the quote. Deductibles are the amount of money the auto insurance policy holder has to pay before the cover for whatever the claim takes effect. The higher the deductible, the lower the insurance premium so, the wise thing would be to set the premium to a rate which makes it easier to later be able to afford the deductibles. Pay the premiums on time every month is good, but if you then cannot afford the deductible in a case of a claim, then the whole policy is virtually useless.
The last aspect of a car insurance quote to look at is, of course, the monthly payment. After having weighed out the above mentioned, it should be clear whether or not the auto insurance quote is worth the money that is being charged. The best way to see whether or not the amount being charged is too high is to have more than one car insurance quote of the same person with you. Compare the different insurance quotes and that should bring an idea as to which are fair and which are nowhere near it.