I can’t think of a single person who likes having to buy auto insurance, in particular when the cost is too high. Companies like GEICO, 21st Century and Progressive constantly bombard you with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
If you have a current auto insurance policy or are looking for a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Buying car insurance is not that difficult. Consumers only need to know the most effective way to shop their coverage around online.
Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but less common discounts must be asked about prior to getting the savings. If you aren’t receiving every discount available, you are paying more than you should be.
It’s important to note that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.
To choose providers with discount auto insurance rates, click here to view.
Cutting your auto insurance rates isn’t really that difficult. Just take time to compare quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.
The best way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for boring form submissions to each individual auto insurance company. A single, simple form will get you rate comparisons from auto insurance companies with the best prices.
A slightly less efficient method to compare prices consists of going to each company’s website and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from USAA, GEICO and Liberty Mutual. You would have to visit each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.
The hardest way to get comparison rates is to spend time driving to different agent offices. Shopping for auto insurance online has reduced the need for local agents unless you prefer the personal advice of a licensed agent. However, consumers can get the lowest quotes online and get advice from an agent in your area.
Which method you use is up to you, but make darn sure you compare identical coverages and limits for every quote you compare. If you are comparing different limits and deductibles on each one you can’t possibly make a fair comparison for your Dodge Stratus.
Smart consumers have a good feel for the factors that go into determining your auto insurance rates. Knowing what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.
Listed below are some of the factors auto insurance companies consider when setting prices.
Certain consumers would prefer to talk to a local agent and that is just fine! Professional agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates and still choose a local agent. Buying from local insurance agencies is especially important in small towns and cities.
To help locate an agent, after submitting this quick form, the quote information is instantly submitted to participating agents who will compete for your coverage. You won’t need to drive around since price quotes are sent to your email. How’s that for easy!
When looking for a local agent, you need to know there are two types of insurance agents from which to choose. Insurance agencies are categorized either independent or captive. While both can do a good job, but it’s worth learning the difference between them since it may influence your selection of an agent.
These agents are not required to write business for one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.
When shopping rates, it’s a good idea to include at a minimum one independent agency for the best price selection.
These agents are contracted to one company such as State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so they have no alternatives for high prices. Captive agencies are well schooled in insurance sales and that can be a competitive advantage.
To view a complete directory of insurance agencies, click here.
Deciding on a car insurance agent shouldn’t rely on just the premium amount. These are valid questions to ask:
Once you have reasonable responses to any questions you have as well as a affordable price, you have narrowed it down to an auto insurance agent that will service your policy.
Affordable Dodge Stratus insurance can be bought from both online companies as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In too many instances, drivers have reduced full coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.