Having to pay for overpriced car insurance can dwindle your savings account and force you to make sacrifices. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. There are many auto insurance companies to insure vehicles with, and although it’s nice to have a choice, so many choices can make it hard to find the lowest rates.
Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. Consumers just need to know how to buy car insurance on the web.
How to Get Cheap Car Insurance
Lowering your car insurance rates is not a difficult process. You just have to spend a little time comparing rate quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.
- The best way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating repetitive form submissions for every car insurance company. Just one form gets you price quotes from multiple companies.
- Another way to get quotes online consists of going to the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from USAA, 21st Century and State Farm. To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.
To view a list of companies in your area, click here.
It’s up to you how you get prices quotes, just be sure to compare the exact same coverage information for each price quote. If the quotes have higher or lower deductibles then you won’t be able to truly determine the lowest rate.
Discounts can save BIG
Car insurance companies do not list all available discounts very clearly, so we researched some of the best known and the harder-to-find ways to save on car insurance. If you’re not getting every credit you deserve, you are throwing money away.
- Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
- Senior Discount – Mature drivers may receive a small decrease in premiums for CL600 coverage.
- Homeowners Savings – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
- Drivers Education – Cut your cost by having your teen driver complete a driver education course in school.
- Low Mileage – Fewer annual miles on your Mercedes-Benz could be rewarded with a substantially lower rate.
- Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- College Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
- Good Student – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
- Auto/Home Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
Consumers should know that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
To see a list of insurance companies with discount car insurance rates, click here to view.
One last thing about your coverage
As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.
We covered quite a bit of information on how to shop for Mercedes-Benz CL600 insurance online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.
