Are you tired of robbing Peter to pay Paul to insure your Chevy every month? You’re in the same situation as many other consumers. Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ads and it can be hard to sift through the bull and find the best price available.
If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know the most efficient way to get comparison rates on the web.
Getting a cheaper price on insurance is a fairly straight forward process. You just have to take the time to get quotes provided by online insurance companies. This can be accomplished in several different ways.
The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating repetitive form submissions for each company. Filling out one form gets you price quotes from multiple low-cost companies.
A harder way to find lower rates requires you to visit the website for each individual company and request a quote. For instance, let’s assume you want to compare rates from Nationwide, Farmers and GEICO. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.
To view a list of companies in your area, click here.
The least recommended way of getting rate comparisons is to spend time driving to local insurance agencies. The internet makes this process obsolete unless you prefer the trained guidance only provided by licensed agents. However, consumers can price shop online but still have the advice of a local agent and you’ll learn how to do that later.
It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverage limits and deductibles with each company. If you use higher or lower deductibles it will be next to impossible to find the best deal for your Chevy Sprint.
Consumers can’t ignore all the ads for the lowest price auto insurance by Allstate and Progressive. All the companies have a common claim of big savings if you switch to their company.
But how can every company make the same claim?
All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a preferred risk might be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. A customer who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.
Potential insureds who do not match the “perfect” profile will have to pay more money which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can advertise the way they do. Because of the profiling, you absolutely need to quote coverage with many companies. It’s not possible to predict the company that will provide you with the cheapest rates.
Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.
Car insurance companies do not advertise all available discounts very well, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.
It’s important to note that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
To choose companies with the best auto insurance discounts, click this link.
When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs will benefit from professional help.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.
Some people prefer to talk to a local agent and that is a personal choice. Agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of getting online price quotes is you may find better rates but also keep your business local.
After filling out this form (opens in new window), the coverage information is immediately sent to participating agents who will return price quotes for your business. You don’t have to leave your computer since price quotes are sent immediately to your email address. How cool is that?!
Picking an provider needs to be determined by more than just a cheap price. Agents should be asked these questions:
If you’re trying to find a reliable agent, there are a couple of types of agencies to choose from. agents are either independent or captive. Either one can do a good job, but it’s important to know how they are different because it can influence buying decisions.
Captive agencies have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to give you multiple price quotes so always compare other rates. Captive agencies are usually quite knowledgeable on their products and sales techniques which can be an advantage.
Independent insurance agents do not work for one specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.
When comparing rates, you should always contact at least one independent agent to get the best comparison.
For a full directory of auto insurance agents, visit this page.
After getting answers to your satisfaction to these questions and an affordable coverage quote, it’s possible that you found an insurance agency that is a good match to insure your vehicles.
When trying to cut insurance costs, do not buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price.
We just covered a lot of information how to get a better price on Chevy Sprint insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.