No one in their right mind looks forward to buying car insurance, in particular when they are paying too much.
Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest price
If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Choosing the best insurance company for you is quite easy. But drivers should learn how big insurance companies price online insurance and take advantage of how the system works.
How to Get Car Insurance Comparison Quotes
All the larger car insurance companies such as State Farm, GEICO and Progressive quote prices for coverage online. Obtaining pricing doesn’t take much effort as you simply type in your required coverages into the quote form. Upon sending the form, the company’s rating system automatically retrieves your driving and credit reports and quotes a price based on these and other factors. This makes comparing rates easy, but the work required to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. Unfortunately, it is important to have as many quotes as possible in order to find a better rate.
A quicker way to get multiple rate quotes uses one simple form to return rates from a bunch of companies at once. The form is fast, reduces the work, and makes online price comparison much easier to do. Immediately after you send the form, it gets priced and you can select any one of the quote results. If the quotes result in lower rates, you can click and sign and purchase the new policy. It takes less than 15 minutes and you’ll know if lower rates are available.
If you want to find out how much you’re overpaying now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you input the coverage information as close as possible to your current policy. This ensures you will be getting a rate comparison for similar insurance coverage.
Do you qualify for a discount?
Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.
- Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
- No Accidents – Claim-free drivers pay much less as compared to frequent claim filers.
- Drive Less and Save – Keeping the miles down on your Mazda can earn better rates on cars that stay parked.
- Defensive Driver – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
- Sign Online – Some insurance companies may give you up to $50 for buying your policy on their website.
- Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on 626 coverage than drivers with accident claims.
- Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
- Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
- No Charge for an Accident – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.
To see a list of providers with the best car insurance discounts, click here to view.
