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UPDATED: Mar 13, 2020
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Searching for the best car insurance rate can be a daunting task. Fortunately, there are several steps you can take to make easy work of it! The single most important time saving technique involves using an online consumer insurance comparison website. Armed with such a useful tool, the rest is just a matter of preparing for your online search.
Prepare the Necessary Information
Before starting your search, it is best to gather all of the necessary information pertaining to both the car and the driver to be insured.
Not only will this tactic save time, but it will also ensure that you receive the most accurate car insurance rates. Armed with this personalized information, it will be easy to select the best option. Get the best options by putting in your ZIP code to get FREE car insurance quotes!
For the driver, the following information will help speed up online car insurance rate comparison:
- Full name
- Driver’s license number and the state that issued it
- List of any associations or unions the driver is a member of
- List of any accidents or other motor vehicle law violations the driver has been involved in
- List of the absolute necessities for car insurance policy coverage
- List of other insurance policies, including homeowner’s, renter’s, or liability insurance
- Idea of how much you would like to spend on insurance, and the absolute upper limit that you can spend on car insurance
Consider Several Insurance Companies
Once you’ve prepared the necessary documentation, it’s time to start comparing car insurance companies. One of the best ways to get instant quotes from multiple companies is to use an online comparison website. These online resources return instant quotes from a variety of car insurance companies, offering a fast and reliable way to evaluate different car insurance rates.
Online consumer comparison websites take the hassle out of shopping for the best deal on car insurance. From the comfort of your own home, with all of the necessary information right in front of you, you’ll have dozens of car insurance quotes in mere minutes. Considering the number of phone calls or in person visits that would be required to get so many quotes, the amount of time saved using one of these great online resources is incredible!
Evaluate Each Policy
However, the search doesn’t stop there. Once you’ve collected a set of promising car insurance quotes, it’s time to take a closer look at what each policy offers. While saving money is important, there’s no point to buying a policy that doesn’t cover what you need.
This is where your list of absolute necessities comes in handy. Any policies that don’t cover an essential can be thrown out. You can also use your existing insurance policy as a baseline. Any competitors offering the same, or better, coverage for less deserve your attention.
Look for Applicable Discounts
Once you’ve decided on a policy, it’s time to get down to the detail oriented task of finding applicable discounts. Most insurance companies offer a number of money saving discounts. But you do have to know what to look for in order to make the most of the benefits available.
The multiple policy dicount is offered to those who take out several different policies with the same insurance company.
For example, if you already have a homeowner’s or renter’s insurance policy with a particular company, they may be able to offer reduced rates for adding a car insurance policy to the bundle.
Being a safe driver can really pay off in terms of car insurance. Drivers who have not been involved in an accident in the last three to five years may find they are eligible for serious savings on car insurance. Most car insurance companies offer special savings to drivers with clean driving records because they are statistically less likely to be in an accident, or violate a motor vehicle law, in the future.
Good students not only reap the benefits of getting better grades in school, they may also enjoy financial gain in the form of cheaper car insurance. Car insurance companies assume that studious drivers will be careful drivers.
Driving a relatively safe car, or one that is less likely to be stolen, also has its benefits. Not only are these cars often less expensive (think station wagon versus sports car), but it’s typically cheaper to insure them as well.
Older drivers can also enjoy reduced car insurance rates if they are over 50 and meet the other requirements set forth by their car insurance provider.
Having a short commute not only saves time and gas money, it can also save you big on car insurance. Car insurance companies often equate fewer miles with fewer accidents.
Living outside of the city is not only good for the soul it’s also kind to the wallet. Since fewer accidents occur in rural areas, insurance rates tend to be lower for those living outside of major metropolitan areas.
Certain career choices may also make drivers eligible for car insurance discounts. Common examples include active duty and retired military personnel, scientists, engineers, and mathematicians.
Being a member of automobile discount clubs like AAA can help reduce the price of car insurance. Professional organizations often offer discounts on auto insurance as well.
Discounts are also available for those able to lock in a car insurance policy online. Many companies have agents standing by ready to take your call or reply to an instant chat message regarding any questions you might have. Check out your available discounts by putting in your ZIP code and receive FREE car insurance quotes!
Benefits of Online Car Insurance Rate Comparison
Finally, one of the most valuable resources when searching for the best online car insurance rates is an online comparison tool that returns quick results. This is the single best way to get the greatest number of competitive quotes in the shortest amount of time.
Moreover, the possibility of searching online from home or the office takes the headache out of comparison shopping for a car insurance policy.