Tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other consumers. Drivers have multiple insurers to choose from, and even though it’s nice to have a choice, it can be more difficult to find the lowest rates.
It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.
Most major insurance companies give coverage price quotes directly from their websites. This process doesn’t take much effort as you just type in the coverages you want as requested by the quote form. After you complete the form, their rating system collects reports for credit and driving violations and quotes a price. Quoting online makes comparing rates easy, but the process of having to visit different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest possible prices on auto insurance.
Compare rates the easy way
A more efficient way to find cheaper rates requires only one form to get prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes quoting online a lot less work. After sending your information, it is rated and you can select any or none of the price quotes you receive.
If you find a better price it’s easy to complete the application and purchase coverage. It can be completed in less than 10 minutes and you will know how your current rates stack up.
To quickly find out if lower rates are available, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you type in the limits and deductibles exactly as they are listed on your policy. This makes sure you’re receiving rate quotes for similar coverage.
Drivers can’t ignore all the ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. All the ads have a common claim that you can save if you move to them.
How does each company say the same thing?
Different companies can use profiling for the right customer they prefer to insure. An example of a profitable customer might be over the age of 50, has no tickets, and drives newer vehicles. A customer that hits that “sweet spot” will get very good rates and most likely will save a lot of money.
Drivers who don’t qualify for this ideal profile will have to pay more money which leads to the customer not buying. The ads say “people who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully state the savings.
Because of the profiling, it’s extremely important to compare many company’s rates. It’s impossible to know the company that will fit your personal profile best.
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down your premiums.
To choose providers who offer auto insurance discounts, click here.
As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
Low-cost Buick Enclave insurance can be found both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and these small, regional companies work with independent agents.