Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than millions of other consumers. Lots of car insurance companies contend for your business, and because of this it can be hard to compare insurers to get the lowest rate
Consumers need to check car insurance prices occasionally since insurance rates change frequently. Even if you think you had the best deal for Torrent insurance a year ago you will most likely find a better rate today. There is a lot of wrong information about car insurance online, so by reading this article, you’re going to learn some tested techniques to reduce your car insurance bill.
Free Car Insurance Quotes
Most companies allow you to get coverage price quotes on their websites. The process doesn’t take a lot of time as you simply enter your required coverages as requested by the quote form. When the form is submitted, the system automatically retrieves information on your driving record and credit history and quotes a price based on many factors. This makes comparing rates easy, but having to visit multiple sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible in order to find lower prices.
The easiest way to compare car insurance pricing uses one simple form to obtain quotes from several different companies. It saves time, reduces the work, and makes price shopping online much more enjoyable and efficient. After your information is entered, it is quoted and you are able to buy any of the pricing results. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process just takes a couple of minutes and could lower your rates considerably.
In order to find out how much you can save on car insurance, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you copy your coverages exactly as they are listed on your policy. This makes sure you will get an apples-to-apples comparison for similar insurance coverage.
Don’t assume everyone needs the same coverage
When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you may require specific advice.
- Why does it cost so much to insure a teen driver?
- Does my policy cover my teen driver if they drive my company car?
- Are there companies who specialize in insuring high-risk drivers?
- What is high-risk coverage and where do I buy it?
- Can I drive in Mexico and have coverage?
- Do I really need UM/UIM coverage?
- What can I do if my company denied a claim?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Online quotes with a local insurance agent
A small number of people would prefer to talk to a local agent and that is OK! Insurance agents can help determine the best coverages and help you file claims. One of the great benefits of price shopping on the web is you can get the lowest rates and still choose a local agent.
Upon completion of this short form, your coverage information is emailed to agents in your area who will give you bids for your coverage. You don’t have to drive around since price quotes are sent to the email address you provide. How cool is that?!
Deciding on an insurer needs to be determined by more than just the price. Ask your prospective agent these questions:
- How many years of experience in personal lines insurance coverages do they have?
- How long has their agency been in business?
- Which members of your family are coverage by the policy?
- Are you getting all the discounts the company offers?
- Does the agency have a good rating with the Better Business Bureau?
- Do they specialize in personal lines coverage?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Two types of insurance agencies
When finding local agents, you need to know there are two different agency structures that you can select. Agencies can either be independent or captive. Either one can properly insure your vehicles, but it’s worth learning how they are different since it can impact your agent selection.
Captive Insurance Agents
These agents are contracted to one company such as State Farm, AAA and Liberty Mutual. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. They are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Independent Insurance Agents
Independent agents are not locked into one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, you should always include price quotes from several independent insurance agents for the best price selection.
For a complete listing of agents, visit this page.
After getting good answers for all questions you ask as well as a affordable price, chances are good that you have found an insurance agency that will adequately provide car insurance.
