Nobody I know looks forward to paying for auto insurance, in particular when the price is too high.
Big companies like State Farm and GEICO increase brand awareness with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.
These discounts can slash auto insurance rates
Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some must be specifically requested prior to getting the savings.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
- Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
- Employee of Federal Government – Simply working for the federal government may qualify you for a discount for fortwo insurance with a few auto insurance companies.
- Passive Restraints and Air Bags – Vehicles with factory air bags can get savings up to 30%.
- Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
- Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.
To see a list of insurance companies offering auto insurance discounts, click here.
Compare the Market for Auto Insurance
All major auto insurance companies like Progressive, Allstate and GEICO quote insurance quotes on their websites. Obtaining pricing doesn’t take a lot of time as you simply enter as detailed in the form. Once you submit the form, their rating system makes automated requests for your driving and credit reports and generates a price determined by many factors. Online quotes streamlines rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you are searching for better auto insurance pricing.
There is a better way to compare rates
An easier way to find cheaper rates uses one simple form to return rates from multiple companies. It’s a real time-saver, reduces the work, and makes online price comparison much easier to do. As soon as the form is sent, it is quoted with multiple companies and you can pick any one of the quote results.
If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.
To save time and find out if lower rates are available, click here to open in new window and enter your information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles just like they are on your policy. This way, you are getting an apples-to-apples comparison based on identical coverages.
When might I need the advice of an agent?
When it comes to buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation would benefit from professional advice.
- Why does it cost so much to insure a teen driver?
- Do I have coverage for damage caused while driving under the influence?
- Are all vehicle passengers covered by medical payments coverage?
- Is my custom paint covered by insurance?
- What is the minimum liability in my state?
- What can I do if my company denied a claim?
- Do I have coverage when using my vehicle for my home business?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Affordable insurance is out there
When you buy insurance online, you should never skimp on coverage in order to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.
You just learned many ways to shop for Smart fortwo insurance online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising. They often have lower prices on specific markets than their larger competitors like Progressive or GEICO.
