There isn’t a single person who likes paying for auto insurance, particularly when it costs too dang much. Big-name insurance companies like GEICO, 21st Century and Progressive continually hit you with fancy advertisements and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.
Consumers need to compare premium rates before your next renewal due to the fact that insurance prices go up and down regularly. Just because you had the lowest rates for 323i insurance a couple years back you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because you’re about to find out the best way to save money, get proper deductibles and limits, all at the lowest rate.
If you have a current auto insurance policy or need a new policy, you can follow these tips to cut your premiums and still get good coverage. Finding affordable coverage is quite easy. Vehicle owners only need to know the proper methods to shop for auto insurance on the web.
Take advantage of these discounts
Companies don’t always publicize every policy discount very well, so the list below contains a few of the more common and the harder-to-find savings tricks you should be using when you .
- Policy Bundle Discount – If you can combine your auto and homeowners policy and place coverage with the same company they may give you a discount of nearly 15% which can help you find .
- Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
- Renewal Discounts – A few auto insurance companies offer discounts for switching to them prior to your current policy expiration. Ten percent is about the average savings.
- E-sign – A handful of companies will give you a small discount on their website.
- Anti-lock Brake System – Vehicles with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
As a footnote on discounts, some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.
A few popular companies and some of the premium reductions they offer are shown below.
- GEICO offers premium reductions for driver training, good student, five-year accident-free, anti-theft, daytime running lights, federal employee, and seat belt use.
- Travelers has discounts for student away at school, save driver, good student, continuous insurance, new car, driver training, and home ownership.
- Farm Bureau may offer discounts for good student, youthful driver, multi-vehicle, safe driver, driver training, and multi-policy.
- Liberty Mutual offers discounts for exclusive group savings, safety features, multi-car, multi-policy, good student, and newly married.
- American Family discounts include good student, multi-vehicle, Steer into Savings, TimeAway discount, and air bags.
- Progressive offers discounts including online quote discount, online signing, good student, multi-policy, and multi-vehicle.
When getting , it’s a good idea to every insurance company which discounts you qualify for. Some discounts listed above may not be available everywhere.
There are a lot of ways to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You could waste time talking about coverages with local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.
Many popular insurance companies take part in a program that enables customers to enter their policy data once, and each participating company can provide price quotes determined by their information. This saves time by eliminating quote requests for each company.
To compare pricing click here to open in new window.
One minor caviat to comparing rates this way is that you can’t choose which insurance companies to get pricing from. If you wish to select individual companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.
You can use whichever method you prefer to find lower rates, just be certain you are entering nearly identical coverage data for every company. If your comparisons have different coverage information it will be impossible to make an equal comparison.
Special considerations
When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether you could use an agent’s help.
- Is business equipment covered while in my vehicle?
- How many claims can I have before being cancelled?
- When does my teenage driver need to be added to my policy?
- Should I drop comprehensive coverage on older vehicles?
- What can I do if my company won’t pay a claim?
- Does my policy cover my teen driver if they drive my company car?
- Do I have coverage when making deliveries for my home business?
- Should I sign the liability waiver when renting a car?
- Is my dog or cat covered if injured in an accident?
- Where can I get insurance after a DUI in my state?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.
Better coverage you can count on
Cheaper auto insurance can be found from both online companies in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. A few companies may not provide the ability to get quotes online and usually these small, regional companies only sell coverage through independent agents.
We covered many tips how you can save on BMW 323i insurance. The most important thing to understand is the more times you quote, the higher your chance of finding . You may even find the lowest rates come from a small mutual company. These companies often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.
When getting , don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. Your objective should be to get the best coverage possible at the best cost, but do not skimp to save money.
