Finding an auto insurance quote online
Auto Insurance Quote Online
Auto insurance is expensive but consumers still have choices. Armed with the
right information, you can still find savings and good deals. Find ways to lower
your rates by following these tips.
- Shop around. Insurance costs vary dramatically from company to company.
The same policy could vary by hundreds of dollars depending on which company
you call. Ask friends, relatives and co-workers for the names of companies
or agents they have good relationships with. Or go online for a list of insurers
from your state insurance department providing an affordable auto insurance
quote online. Get quotes from different insurers and compare them to choose
a cost effective auto insurance quote online.
- Check insurance costs before buying a new car. Insurance premiums are based
in part on a car's value, its repair costs, overall safety record, and likelihood
of theft. The flashy convertible sports car is going to cost much more to
ensure than the four-door sedan with lots of safety features - no matter what
your driving record looks like. Buy a car you can afford to insure.
- Raise your deductible. Higher deductibles can lower premium payments. Increasing
your deductible from $200 to $500 could reduce your collision and comprehensive
coverage cost by 15-30 percent. Going to a $1,000 deductible can save you
40 percent or more. But be sure you have enough cash on hand to cover that
deductible in the event that your car is damaged and needs repairs.
- Keep your credit clean. Your credit rating could affect your insurance costs.
This varies from state to state and company to company, but drivers with good
credit may be rewarded with a lower rate.
- Ask about discounts. You might get a break if you have reached a certain
age, car-pool to work, take a defensive driver-training course, or insure
multiple cars with the same insurer. Some companies also give discounts to
students with good grades or for low mileage. And drive safely. Those with
poor driving records are seeing the highest rate increases.
- Protect your car against theft. If you have an anti-theft device such as
an alarm system, you may qualify for a discount.
- If you live in a city, parking your car in a garage at night can help lower
premiums. Compare the cost of the garage to any premium savings and cash outlay
for deductibles.
- Report fraud. Insurance fraud - staged accidents, false billing for medical
care and supplies, falsified police reports and identity theft, to name a
few examples - drive up costs for all customers in the state where they occur.
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