Cheap Car Insurance Companies
While we can confirm cheap car insurance is not a myth it certainly isn’t always found by simply punching in your zip code and looking at the first set of results. Most drivers have over 100 car insurance companies to choose from in any particular zip code and depending on your unique profile car insurance rates can vary by 100% or more simply depending on who you speak with. The best way of finding the cheapest car insurance companies will come when you have a comparison plan.
First – Identify what types of car insurance you need and how much. Once you know exactly what type of auto insurance coverage you need the biggest obstacle is over and you can start comparing insurance quotes equally.
Secondly – Learn what car insurance discounts are available. This is really important since not all car insurance companies offer the same set of discounts. Your single accident two years ago may prevent you from getting premium good driver rates from one provider where as you may still qualify as a good driver with another. You have to know what questions to ask. Many insurance agents and brokers often ask only a standard set of questions when there are really a lot of discounts available.
Thirdly – Never only apply online. Once you get a car insurance quote online print off the details and then call the company direct. While online car insurance rates are often cheaper sometimes the online form may omit some key questions which could lower your rates. You can always hang up and purchase the online policy but its worth calling direct to see if a car insurer can provide a better rate over the phone.
And Finally – Never be pressured by cheap car insurance quotes. Very often these cheap car insurance rates are just low cost auto insurance programs with minimal coverage. Stick the first step and only purchase the insurance you need without comprising your financial protection as a driver. There are affordable car insurance policies around for almost every driver.
How do I Compare Car Insurance Companies?
This is another common question when searching for cheap car insurance. Do you only apply to the well known car insurance brands or are smaller car insurance companies cheaper? Auto insurance comparison takes a little bit of talent but you should know the car insurance industry is very regulated and there are many more car insurers around outside of GEICO, Allstate and State Farm. Many smaller regional providers such as PEMCO in Washington State offer very affordable coverage yet will never show on a top 10 list nationally since they service only a small portion of American consumers. Try to find a balance between premiums, coverage and company reputation but certainly never only stick to the well known brand names. Many smaller insurers have millions of policyholders and often can provide the same level of coverage for cheaper rates.
The cheapest car insurance company for you may very well be different for you and your friends so do your homework, educate yourself about auto insurance and stick to the goal of finding affordable car insurance from a reliable provider.
Get started – Find Cheap Car Insurance Quotes today!