I can’t think of a single person who looks forward to buying car insurance, particularly when they are paying too much.
Because there are so many companies and agents to choose from, it can be hard to locate the most cost effective insurer.
How to Compare Car Insurance Costs
When shopping for car insurance there are multiple ways to compare quotes and find the best price. By far the easiest way to find the cheapest Saleen S7 insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.
- Probably the best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating boring form submissions for every car insurance company. Taking the time to complete one form gets you coverage quotes from car insurance companies with the best prices.
- A less efficient way to shop for car insurance online consists of visiting the website of each company to complete their respective quote request forms. For example, we’ll pretend you want rates from Auto-Owners, State Farm and American Family. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.
- The least recommended way of getting rate comparisons is driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice of a local agent. It is possible to get prices online but still have the advice of a local agent and you’ll learn how to do that later.
It’s up to you which method you use, but be sure to compare the exact same coverages and limits on every quote you get. If the quotes have different liability limits it’s not possible to determine the lowest rate for your Saleen S7. Quoting even small variations in coverages could mean much higher rates. Just remember that having more price comparisons will increase your chances of finding a better price.
How to know if you need help
When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.
- Am I covered by my spouse’s policy after a separation?
- Will I lose any money if I cancel my policy before it expires?
- How many claims can I have before being cancelled?
- Do I pay less if my vehicle is kept in my garage?
- How can I get high-risk coverage after a DUI?
- What are the financial responsibility laws in my state?
- Should I have combined single limit or split liability limits?
- Why am I be forced to buy a membership to get insurance from some companies?
If you don’t know the answers to these 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 car insurance companies in your area.
Do I need a local agent?
Some consumers prefer to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is the fact that you can find lower rates but also keep your business local.
After filling out this short form, the coverage information is emailed to participating agents who will return price quotes for your business. There is no reason to leave your computer since price quotes are sent directly to your email. How’s that for easy! You can find better rates and a licensed agent to work with.
Selecting a company 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?
- Are claims handled at the agent’s location?
- Can glass repairs be made at your home?
- How long has their agency been open?
- Do they assist clients in filing claims?
Two types of car insurance agents
If you’re trying to find a good insurance agent, you must know there are a couple different agency structures that you can select. Agencies are either captive or independent.
Agency Captives
These agents are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents receive extensive training in insurance sales and that can be a competitive advantage.
Independent Agents
These agents do not work for one specific company so they can insure your vehicles with many different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.
When comparing rates, we recommend you get quotes from several independent insurance agents for the best price selection.
To view a complete directory of agencies, click here.
Upon receiving reasonable responses for all questions you ask and locked in a price quote, you’ve probably found an auto insurance agent that meets your needs to insure your vehicles.
