Compare Cheap Car Insurance Quotes Online

The main reason you need to go on the net to rate shop is simple. First, many carriers that market their coverage on-line have direct insurance prices. This means they have a business model that excludes expensive brokers and sell polices directly to consumers. This is good news for money savers like yourself. Usually, you can find direct automobile insurance quotes that are 10% to even 15% lower than calling up an agent. The second reason why you should check web quotes is the ability to compare multiple rates super fast. You can apply at the website, and if you have any questions, a helpful representative is available to assist you anytime.

Before you go and start getting quoted, there are a couple of basic things you need to do beforehand. Get all of your personal and vehicle information together. This means the year, make model of your car and the VIN or vehicle identification number. You’ll also need the name of your current insurer, home address and with some insurers, your license number. Once you have this important info ready to go, getting online car insurance quotes to compare will only take a few minutes.

Don’t Feel Bad About Switching Car Insurance Companies

So many people feel guilty about changing automobile insurers. This is not some legal contract that bounds you to one insurer forever. The truth is, your policy can be canceled by the insurer at any time for many reasons like a DUI offense. So you need to have the same mindset and if you find a lower rate, do not hesitate to switch carriers. After all, you work hard for your money and have the right to change car insurance companies any time you want to. One frequent excuse for not switching; is people falsely believe they won’t get refunded their pre-paid premiums. This is not true at all. If you’ve made a years payment in full on policy and want to switch after six months, you will get a full refund. Try a free online quoting site and if you can save more than $100 per year on coverage, it is probably worth it to change providers.

Remember that comparing car insurance quotes online is totally free and you have no obligation at all to buy a policy. You only need to fill out a few minutes of personal information to get matched with the lowest rates for the type of coverage you need. One quick tip; Always do business with carriers that have a B or higher A.M. Best insurance rating. This is super important because the last things you need is for your auto insurer to go belly up and not be able to pay a claim. Just like in any other industry, insurance firms get badly managed and go out of business all the time. There are lots of sad stories out there of people not getting paid on very serious claims because the insurer went bankrupt.

Cheap Car Insurance Quote

If you are seeking a cheap car insurance quote there are recognized steps to take that will result in you obtaining the cheapest car insurance quote possible for your car and your circumstances. Many people honestly believe that auto insurance companies are doing their best to provide them with the cheapest quote they can, and trust them to do so. They are both right and wrong.

A company will provide you with a cheap quote if it is liable to make them money. That is the purpose of any company: to make money. They are not philanthropists and like any other company are in existence only to make money. If they feel that they can make more than the average quota of money from your premium then they will offer you a bit back.

Therefore, if you hear of somebody who has found a fantastically cheaper car insurance quote than you have been offered, then that is because their circumstances are different to yours. So what could be different? Perhaps they have never made a claim from previous policies. Perhaps their car is older than yours and they have declined collision and comprehensive cover. Perhaps their company have an agreement with the insurance company they deal with for their car fleet for cheap auto insurance quotes for employees. Perhaps . . .

There are so many perhaps’s that you are probably best to ignore the deals other people get and concentrate solely on what you can get. You should listen to their experiences with various ins companies, such as their willingness to pay out on claims or their speed in providing a courtesy car in the event of yours being damaged, but pay no attention to what they pay because their circumstances are different.

So what affects whether or not you can get the cheapest quote going? What are these circumstances that can make so much difference to whether or not you get a cheaper policy than the next guy or gal? They are basically common sense, and if you can’t work it out for yourself then you probably don’t deserve a cheap car insurance quote.

Do you have all the car safety features fitted in your car? Stuff like air bags, not only for you but for your front and rear passengers? Are their also air bags on the sides of the doors to protect you from side collisions? Do you have ABS braking that doesn’t lock when you hit the brakes, or a burglar alarm and window etching with your number plates? If so you can likely get your quote reduced.

Never accept the first quote given – that is Rule Number One in the book of cheap insurance seeker’s rules. Compare cheap car insurance and keep something up your sleeve, even if it costs you. If you agree to pay $500 deductible your premium cost will be reduced, but don’t tell them that till after your initial quote, or it will likely just be the same as if you didn’t mention it. $500 might seem a lot, but that’s your estimate of what you can afford to pay calculated against the likelihood of you having to pay it.

There are lots of other variables that you can use to reduce your premium such as dropping the collision cover and going third party, or simply that you are willing to switch your other insurances to the same company, such as house and travel insurance for example. How about simply buying it online: most companies offer a discount if you purchase your auto insurance online.

Whatever way you achieve it, a cheap car insurance quote should be easy to get if you know the right steps to take. Ins companies will give you a serious discount if they believe that you are less likely to make a large claim than the next guy.

What’s the Best Method of Comparing Cheap Car Insurance Quotes?

Let’s say you are looking for the cheapest car insurance quotes you can find. You can do in one of several ways. You can work with a local agent, you can contact multiple insurance companies one at a time, or you can obtain quotes online. Which method is the best?

I’ll answer that question in just a minute. First, I want to stress the importance of getting multiple quotes if you want the cheapest car insurance rates. The more quotes you can gather, the greater the chances you will find the lowest price out there.

Online Is the Best Method

Back in the days when car insurance first became popular in the U.S., it was almost unheard of for drivers to purchase directly from the insurance company. Drivers went through independent agents, agents that represented multiple companies with multiple policies.

A new generation of drivers in the 1970s and 80s discovered they could get better prices by working directly with insurance companies. Though independent agents still existed, they were seeing fewer customers utilizing them solely for car insurance.

In the 21st century, things are completely different thanks, in part, to the Internet. Now we can enjoy comparing the cheapest car insurance quotes online without ever having to talk to an agent or insurance company salesperson. I believe this is the best method for the following reasons:

  • it’s quick and easy
  • you don’t have to endure high-pressure sales tactics
  • you can get quotes and compare them on your own schedule
  • you can view quotes side-by-side for easier comparison

Online Quote Options

If you agree that comparing insurance quotes online is the best way to go, you have two options. The first is to go to the websites of individual insurance companies and request a quote. This isn’t a bad option but it is time consuming. If you are working online to avoid wasting time then this is not the way to do it.

The second option is to utilize rate quote comparison websites. They offer you an online form you can fill out in just a matter of minutes. The information they collect is then submitted to multiple insurance companies offering policies in your area. The key is you only enter your information once.

You fill out the form then sit back and wait for the cheapest car insurance quotes to arrive in your e-mail. Whenever you are ready, you can compare those quotes and narrow them down to the top two or three choices.

Tips for Comparing Quotes

When you are ready to begin comparing the quotes you receive, it might helpful to print them out first. This lets you put the quotes side-by-side on a table where you can compare them item-by-item without having to switch back and forth between computer screens. Yes, paper does still have some value in the 21st century.

When you are comparing, also pay attention to each individual item as it relates to the other quotes. For example, under the liability section you will see a specific set of numbers that looks something like 15/30/15. These numbers represent, in tens of thousands of dollars, how much liability insurance a policy offers.

If all the quotes show the same numbers then all you need be concerned about is what you are being charged. If those numbers are different, it’s important to consider those in terms of overall value.

Comparing the cheapest car insurance quotes online lets you find the right car insurance quickly and easily. If you need a new policy today, take advantage of our free quote tool and get started right now.