Cheap Car Insurance – The Secret to Affordable Auto Insurance Deals

Cheap car insurance is available, before your buy your next policy make sure your are properly insured. One way to find cheap insurance is to drive around your local area, collect documents and data, bring it home and go through it. This is time consuming and might not be the most effective way to find the best deals. Searching on-line for cheap car insurance is the fastest and most effective way to compare quotes and deals. Don’t jump in and accept the first cheap car insurance quote, with a little bit of help you can reduce the premiums.

1. Rise the deductible fee, usually in the event of an accident you must pay a deductible fee. Usually around $250 is the amount you will have to pay if you make a claim, rising this fee to $500 will give you a cheaper auto insurance quote. Consider the facts, have you ever has and accident, if the answer is no then why keep paying the higher premium.

2. Many auto insurance companies will offer discounts if your are married, over the age of 25, female, the engine size, family car and if you are in the army. All the saving will add up to give you a cheaper car insurance quote.

3. The cheapest quote is not always the best deal, are you covered properly with the quote. There is nothing worse than having to make a claim and learning that you are not insured properly. Read the fine print before you sign on the dotted line.

4. Find and compare cheap car insurance on line, get them to send you written proof of your quote, see if you present insurer will match your quote. Giving you the opportunity to stay with the same company and them the opportunity to keep you business.

Find and Compare Cheap Car Insurance Rates Online

Before you purchase car insurance, do this first. Go online and check for cheap car insurance rates. Having access to the world wide and almost every insurance company having their own site, this has become the most efficient and convenient way to find the best deals. This is the modern way to shop and companies know that.

You can shop for the best coverage and rate while you are still in your pajamas and sipping your coffee. No haggling by a sales representative. When you do your research first you will see that many of the insurance companies make it easy for you to also view the quotes of their competition. This information may or may not be accurate.

Just because one auto insurance company claims another will be more expensive does not necessarily mean it is true. Check it out yourself to be certain. Make an informed decision. After all, if you get into an accident this will be one of the first places you call. That said, this decision is not to be made lightly.

Attempt to compare policies from different companies that have the same coverage levels. Different insurers will offer different deals for your vehicle. As the consumer, you must be aware of this. That is why it is essential to shop around first.

Some insurance companies offer a multiple car discount. This means that you have more than one vehicle under the same policy. Usually, this can save you a lot of money off your monthly premium.

There is even a discount based on your job title and educational background. No one is suggesting that you go out and get a job that will lower your auto insurance rate. It is just another way that you may get a lower rate. Just ask and see if they offer it. If they do find out if your occupation will qualify.

We all know that safety features in your car will help give you a lower rate. A lot of cars today come standard with air-bags and anti-lock brakes, but having a car alarm can help, too. Something that is also considered a safety feature that many people probably are not aware of is having global positioning system installed in your car.

Knowledge is power and the more you know about what can lower your rate the better off you will be. The more you will also be able to save. With online resources, you have the ability to compare and contrast different quotes and make an informed decision.

Cheap car insurance that is quality and fits your financial budget is easy to find. These days, many insurance companies offer their own deals for choosing their policy. Discounts are basically offered everywhere. Do not be afraid to ask what deal they have going right now and find out what discounts they offer.

What’s the Best Method of Comparing Cheap Car Insurance Quotes?

Let’s say you are looking for the cheapest car insurance quotes you can find. You can do in one of several ways. You can work with a local agent, you can contact multiple insurance companies one at a time, or you can obtain quotes online. Which method is the best?

I’ll answer that question in just a minute. First, I want to stress the importance of getting multiple quotes if you want the cheapest car insurance rates. The more quotes you can gather, the greater the chances you will find the lowest price out there.

Online Is the Best Method

Back in the days when car insurance first became popular in the U.S., it was almost unheard of for drivers to purchase directly from the insurance company. Drivers went through independent agents, agents that represented multiple companies with multiple policies.

A new generation of drivers in the 1970s and 80s discovered they could get better prices by working directly with insurance companies. Though independent agents still existed, they were seeing fewer customers utilizing them solely for car insurance.

In the 21st century, things are completely different thanks, in part, to the Internet. Now we can enjoy comparing the cheapest car insurance quotes online without ever having to talk to an agent or insurance company salesperson. I believe this is the best method for the following reasons:

  • it’s quick and easy
  • you don’t have to endure high-pressure sales tactics
  • you can get quotes and compare them on your own schedule
  • you can view quotes side-by-side for easier comparison

Online Quote Options

If you agree that comparing insurance quotes online is the best way to go, you have two options. The first is to go to the websites of individual insurance companies and request a quote. This isn’t a bad option but it is time consuming. If you are working online to avoid wasting time then this is not the way to do it.

The second option is to utilize rate quote comparison websites. They offer you an online form you can fill out in just a matter of minutes. The information they collect is then submitted to multiple insurance companies offering policies in your area. The key is you only enter your information once.

You fill out the form then sit back and wait for the cheapest car insurance quotes to arrive in your e-mail. Whenever you are ready, you can compare those quotes and narrow them down to the top two or three choices.

Tips for Comparing Quotes

When you are ready to begin comparing the quotes you receive, it might helpful to print them out first. This lets you put the quotes side-by-side on a table where you can compare them item-by-item without having to switch back and forth between computer screens. Yes, paper does still have some value in the 21st century.

When you are comparing, also pay attention to each individual item as it relates to the other quotes. For example, under the liability section you will see a specific set of numbers that looks something like 15/30/15. These numbers represent, in tens of thousands of dollars, how much liability insurance a policy offers.

If all the quotes show the same numbers then all you need be concerned about is what you are being charged. If those numbers are different, it’s important to consider those in terms of overall value.

Comparing the cheapest car insurance quotes online lets you find the right car insurance quickly and easily. If you need a new policy today, take advantage of our free quote tool and get started right now.

Comparing Cheap Car Insurance Companies – Where is the Best Place to Compare Car Insurance Quotes?

Q: How can I compare cheap car insurance companies? I really don’t want to spend a week trying to track down new auto insurance coverage, what would you recommend?

A: If we had a nickel for every time we were asked this we could get out of the car insurance business. Seriously though, the truth is, there are 3 ways to compare cheap car insurance quotes:

1. Getting on the phone
2. Getting a quote from a website
3. Visiting an agent in person.

As we have advised many drivers; obtaining auto insurance quotes online is your best bet because it is a major time saver and allows you to quickly find the best deal.

Shopping for automobile coverage online may seem intimidating to some who don’t have a lot of computer experience, but it’s actually very simple. Basically, you enter your zip code into a form and answer questions asked by providers right over your computer. That’s it!

Unfortunately, most drivers get lazy and don’t take the time to research different car insurance companies prior to making their decision. The result is, they pay a lot more for their car insurance than they have to. Don’t fall into this trap, spend the time to get online today and compare quotes on different policies from a variety of providers and you’ll end up saving money on your annual premiums.

Good luck with your search for cheap car insurance, there are some great deals out there from excellent companies — it just takes a little bit of research to find the best prices!