Sick and tired of dreading the payment to pay your car insurance bill each month? You are no different than many other drivers.
Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare companies and get the definite lowest rate possible.
If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Finding the best rates is quite easy. But consumers must know the way insurance companies price insurance differently.
How to Compare Car Insurance Rates
Most companies such as Progressive, Allstate and GEICO provide coverage prices online. Getting quotes is quite easy as you simply type in your required coverages as detailed in the form. When the form is submitted, the system pulls your driving and credit reports and quotes a price. This simplifies rate comparisons, but the process of having to visit a lot of sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to do this if you want to find the lowest possible prices on car insurance.
There is a better way to compare rates
A more efficient way to get multiple rate quotes makes use of a single form that gets prices quotes from more than one company. The form is fast, eliminates repetitive work, and makes price shopping online a lot less work. As soon as the form is sent, it gets priced and you can select any of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and could lower your rates considerably.
To get comparison pricing now, click here and input your coverage information. To compare your current rates, we recommend you duplicate your coverages identical to your current policy. Doing this assures you will get a fair comparison based on identical coverages.
Take discounts and save
Auto insurance companies do not advertise every discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find ways to save on car insurance.
- Save over 55 – Mature drivers may be able to get a small decrease in premiums.
- Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
- Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
- Drive Safe and Save – Safe drivers may save up to 50% more than their less cautious counterparts.
- Memberships – Participating in certain professional organizations could trigger savings when shopping for car insurance.
- Multiple Vehicles – Having multiple vehicles on the same car insurance policy qualifies for this discount.
- Passive Restraints and Air Bags – Cars that have air bags can get savings of 20% or more.
- Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
- Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
- Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Claim Free – Claim-free drivers can save substantially when compared to bad drivers.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous.
Which policy gives me the best coverage?
When choosing the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might point out whether your personal situation will benefit from professional help.
- Does my policy cover my teen driver if they drive my company car?
- Do I need to file an SR-22 for a DUI my state?
- What are the financial responsibility laws my state?
- Is my nanny covered when driving my vehicle?
- What are no-fault laws?
- Are rental cars covered under my policy?
- Should I buy only the required minimum liability coverage?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.
Compare but don’t skimp when buying coverage
Cheaper Toyota Camry insurance can be bought online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Independent agents can write coverage with regional insurance providers that don’t always offer the ability to get a quote online.
As you restructure your insurance plan, do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price while still getting proper protection
