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UPDATED: Mar 13, 2020
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A car insurance plan protects the driver if there is an accident or emergency. This can really save someone a lot of time and money. Compare car insurance rates today for FREE with our ZIP code search tool! After all, repairs can cost hundreds if not thousands of dollars, nevermind if there is a lawsuit or liability issue or medical bills that need to be covered.
However, such coverage options will come at a monthly cost. After all, insurance companies are not offering payouts for free – they are businesses that need to generate a profit. This is why it is important to compare car insurance rates and the included coverage to find the best protection at the lowest rates.
Research and negotiation can save people money while protecting their vehicles. Start your search today with our FREE quote comparison tool! The following are some great places to turn when comparing car insurance rates:
Use a Price Comparison Website
One of the best ways to find great rates on car insurance is to compare different plans side by side. This allows a person to really see how they measure up. The best insurance offers people a lot of options and coverage for a low monthly premium or rate.
This is not a dream. In fact, one can receive comprehensive or full coverage – whether the driver’s fault or not – plus extras like car rentals when the vehicle is repaired.
It is important not to be lured in by the first low rate a person sees. This plan could be priced low but might not include a lot of options.
Blogs and Websites
There are many blogs and websites devoted to helping people save money on insurance. This is a chance for people to exchange information about different providers, upcoming car insurance discounts and promotions, and more.
These blogs could be simple spaces where people trade information, or they could be run by experts who understand the insurance market.
The more a person knows about the options, the better the selected plan will be.
Call Up Different Providers
The next step to nailing down great insurance rates is to call up different car insurance providers. This means really taking a proactive approach to the process. The best companies will really listen to a car owner and hear what he or she needs.
A car owner needs to remember that he or she is the customer and is allowed to negotiate. This means explaining what competitors have offered and seeing if the insurance company can match it or even lower the rate.
This may mean adding or subtracting different types of coverage or maybe even signing up for another type of policy at the same time (i.e. life, health, etc.).
Insurance providers are businesses: they want to new clients. This is the leverage you needs to use when talking to insurance groups.
Talk to Loved Ones
Loved ones will have cars and insurance. This is why it is wise to ask for their recommendations and advice. They may have a great experience with their insurance group, or they may suggest going with a different option.
Regardless, they will give honest responses to how happy they are with a certain company and plan. Sometimes, too, they may be able to help out loved ones by adding them to their own car insurance policy or referring them to a provider.
Insurance groups are likely to reward new business.
There are discounts and promotions everywhere. This could be as simple as signing up for a new policy during a sale or when companies come to a city, or it could mean looking for more specific types of discounts.
For example, if a car has the latest safety features like day-running lights, you can save quite a bit on car insurance policies. This is because it keeps people safe and lessens the likelihood of an accident happening. Similarly, professional membership can provide people with some benefits.
This is because car insurance companies often partner up with other groups. One can find out about discounts by looking at a providers’ website, talking to insurance company representatives, and by poking around online. Every sent counts!
Often, if a person already has health or life insurance with a group, there may be car insurance options too. This means that one could receive a discount for staying with the company and opening another policy.
Insurance companies are businesses and they do not want to lose clients. Thus, a loyal customer is someone who could really negotiate some great prices. It pays to be honest with the company and see what they can offer.
Try explaining the other quotes one has received from competitors.
Know What You Want
When comparing rates, it is important that a car owner understands what he or she wants. Some people want their medical bills covered if there is an accident whereas others only want the vehicle to be covered. Find the coverage you need with our FREE ZIP code search!
Some plans cover glass and rental cars and others only cover the vehicle if the accident was their fault. The amount of coverage one wants depends on a person’s monthly budget, other or existing insurance plans, the amount of savings one has, and the age of the vehicle.
Having a working idea of the type of rates and included coverage helps a car owner narrow down all of the options. It does not pay to be shy when comparing insurance rates. Instead, one needs to go online and compare rates and reputations of different providers and really call up groups and be aggressive.
The more time and thought put into the comparison process, the more likely it is that a discount will come rolling in and rates will drop. Persistence is important. This is a chance to save quite a bit of money. In the car insurance world, every cent counts. Start saving today with our FREE car insurance quote comparison tool!