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UPDATED: Mar 13, 2020
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If you find yourself without car insurance or you need to save some money, there are ways to find a cheap car insurance quote that still give you the coverage you need. Find FREE quotes today with our ZIP code search tool!There is no way around it: if you drive a car, you need car insurance.
Whether you are young or old, rich or poor, car insurance is a necessity for everyone with a license. Get the coverage you need today with our FREE quote comparison search!
Call Your Existing Insurance Company
The first thing you need to do, when shopping for car insurance, is to contact your current provider. Talk with your insurance agent about your needs. You may find, that in order to keep your business, the car insurance provider is able to lower your rate.
Use factors regarding a change in job, household income, and a clean driving record to help make your case for a low insurance quote.
When and if you are given the new quote, do not agree to it immediately. Instead, ask for the quote in writing. Request that a PDF file be emailed to you including the agreed upon premium as well as any expiration date.
Most insurance quotes expire quickly, and sometimes consumers are not aware of this fact unless they ask. Once you have received the new quote, you can use this information to shop around.
Utilize a Consumer Insurance Comparison Web Site
The most important step in receiving the best price is to do comparison shopping. Our web site provides free quote comparisons from multiple companies. Contacting each company directly can take hours. Sometimes savvy shoppers spend days and even weeks filling out the various forms for car insurance price quotes.
When you go to a consumer insurance comparison web site, you only have to complete your information one time. The site then compiles quotes from a number of different companies. You can look at car insurance prices as well as the types of coverage that are offered through each insurance agency.
This gives you a great idea of what prices you can expect to pay on premiums. It also gives you the names of insurance companies you may not have considered previously.
If you are happy with your current car insurance provider but wish to receive an even lower premium, car insurance comparison sites can help in that manner as well. While it is unlikely that an automotive insurance agency will always price match, it does not hurt to call your agent with the list of prices you have received.
Even if the agent is not able to reach the best price, they may be able to lower their quote even further. Once an agent is aware that you will be taking your business elsewhere, that is excellent motivation for him or her to give you the best price possible.
Things You Can Do to Receive Lower Insurance Quotes
Chances are excellent that you can find lower car insurance quotes by shopping around. However, there are many ways that you can continue to lower your rates in the years to come.
There are a number of factors that contribute to your insurance premium. Keep these in mind for future low rates:
Obviously, your driving record can affect your credit score. Any accidents automatically cause a red flag. Traffic violations also can raise your rate.
The most nefarious actions to car insurance companies are speeding and failure to stop for a traffic light. Being arrested for a DUI or DWI can cause some insurance companies to deny you coverage completely.
Cell Phone Usage
Increasingly, states are instituting cell phone bans. If a driver is cited for using their cell phone while driving, an insurance company may choose to raise rates.
Because distracted driving causes a great many traffic fatalities and many more cases of personal injury and property damage, tickets for cell phone use are viewed by insurance agencies with great concern.
Type of Car
When you purchase a new vehicle, you will need to once more use a cost comparison tool to find the best auto insurance rates. Sometimes it is wise to use the tool to help you decide which car to buy.
A sports car may be something you always dreamed of, but the insurance associated with it may cause you to pause. The safest cars have the lowest premiums.
Insurance agencies can access your credit records to help determine your price. It may seem counter-intuitive that those who theoretically have less money are forced to pay more, but it does sometimes happen.
If you marry, contact your auto insurance provider immediately. Most insurers view singles as a much higher risk than married people.
Though you have no control over it, your age does affect your insurance premiums. Younger drivers are at high risk of causing property or personal damage, thus their rates tend to be much higher than their middle-aged parents.
Most reputable insurance companies will automatically adjust rates when you reach certain milestones. If they do not, contact them to find out why.
Many of these factors take time, but there are some things you can do to immediately lower your premium. If you have the desire and the cash on hand, having an anti-theft device installed in an automobile can lower your rates if you have full coverage.
You can also save money by adding policies through the same insurer.
Consider bundling insurance for a decreased rate. If you purchase home and car insurance through the same company, you are likely to get a better deal.
If you have certain types of property, including a motorcycle, a boat, or other recreational equipment, insuring them through the same provider can give you a better price over all. See how much you can save with our FREE car insurance quote search tool!
When you our online car insurance price comparison tool, you can cut the time you spend on seeking insurance quotes in half or more. A few simple clicks is worth the time it takes when you may end up saving hundreds of dollars with every passing year. Start today by entering your ZIP code below!