No one in their right mind enjoys paying for auto insurance, especially when the cost is too high.
Popular companies such as State Farm, Progressive and GEICO constantly bombard you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Consumers need to compare rates every six months since insurance rates are variable and change quite frequently. Just because you found the best rates on MPV coverage a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.
If you currently have car insurance, you should be able to reduce your rates substantially using this information. Buying car insurance is quite easy. But vehicle owners can benefit from knowing how companies sell online and apply this information to your search.
Auto Insurance Quote Comparison
Effectively comparing auto insurance prices can be a lot of work if you don’t understand the most efficient way. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use the web to get the quickest rates.
Most of the larger companies enroll in a system where prospective buyers submit one quote, and every company provides a quote based on the submitted data. This prevents consumers from doing quote requests to each company.
To participate in this free quote system, click here (opens in new window).
The only downside to pricing coverage this way is that you can’t choose which carriers to get pricing from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.
However you get your quotes, ensure you are comparing the exact same information for each price quote. If each company quotes different deductibles it’s not possible to find the best deal for your Mazda MPV. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes gives you a better chance of getting a better price.
Policy discounts you shouldn’t miss
Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically when you purchase, but less common discounts must be requested specifically in order for you to get them.
- Service Members Pay Less – Being on active duty in the military can result in better rates.
- Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
- Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
- Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
- Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.
For a list of providers who offer auto insurance discounts, click here.
