Consumers have many options when looking for affordable Lotus Exige insurance. They can either waste time struggling with agents trying to get quotes or utilize the internet to get rate quotes.
There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to quote coverages for a Lotus and obtain the best price possible.
Cut your premium with discounts
Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but some must be asked for before they will apply. If they aren’t giving you every credit you deserve, you are throwing money away.
- Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.
- Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Exige insurance with a few auto insurance companies.
- 55 and Retired – Older drivers can possibly qualify for a small decrease in premiums on Exige insurance.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
- Safe Driver Discount – Safe drivers may save up to 50% more on Exige insurance than their less cautious counterparts.
- Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
- Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
Consumers should know that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut the amount you have to pay.
To see a list of insurance companies offering auto insurance discounts, follow this link.
Quick Auto Insurance Quotes
Getting better auto insurance pricing doesn’t have to be difficult. You just have to spend a few minutes on the computer comparing rates from different insurance companies. This can be accomplished in a couple of different ways.
- Probably the best way to get quotes is a comparison rater form click to view form in new window. This method keeps you from doing separate forms to each individual auto insurance company. Completing one form gets you price quotes from auto insurance companies with the best prices. This is by far the quickest method.
- A less efficient way to find lower rates requires visiting the website of each company and request a quote. For example, let’s assume you want comparison quotes from Auto-Owners, Farmers and GEICO. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
- The most time-consuming way of comparing rate quotes to different agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you require the professional guidance of a local agent. You can, however, get prices online and still use a local agent and we’ll talk about that later.
It’s up to you how you get prices quotes, just ensure you are comparing identical quote information for every company. If each company quotes unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Lotus Exige.
And the best car insurance company is…
We covered a lot of tips how to reduce Lotus Exige insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. You may even discover the lowest rates come from the smaller companies.
Lower-priced Lotus Exige insurance is possible both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
Drivers switch companies for any number of reasons including delays in responding to claim requests, denial of a claim, being labeled a high risk driver or an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.
