Have you had enough of paying out the nose to buy car insurance? Your situation is no different than millions of other consumers.
Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company to find the absolute lowest price
Companies offering auto insurance don’t always list all available discounts very clearly, so we took the time to find both well-publicized and the more hidden ways to save on auto insurance.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.
To see a list of providers with discount auto insurance rates, click here.
Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.
Some consumers prefer to buy from a licensed agent and there is nothing wrong with that. One of the great benefits of comparing rates online is you may find the lowest rates and still have an agent to talk to.
Once you complete this short form, your coverage information is emailed to local insurance agents who will return price quotes to get your business. There is no need to visit any agencies due to the fact that quote results will go to your email. How cool is that?! You can find the lowest rates without the usual hassles of price shopping.
Deciding on a company shouldn’t rely on just the price. These are valid questions to ask:
When finding a good insurance agent, you must know there are a couple types of agencies from which to choose. Insurance agencies are categorized either independent or captive.
These agents can only write with one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Captive agencies are very knowledgeable on their company’s products which can be an advantage.
These agents are not required to write business for one company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.
When searching for an agent, you should always get quotes from at a minimum one independent agency to get the best comparison.
To view a complete directory of auto insurance agents, visit this site.
After getting answers to your satisfaction to all your questions in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that can provide auto insurance coverage.
We just showed you a lot of ways to save on Toyota Prius insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from an unexpected company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.
As you shop your coverage around, never reduce coverage to reduce premium. Too many times, someone sacrificed liability coverage limits only to find out that the savings was not a smart move. Your goal should be to buy enough coverage at an affordable rate while not skimping on critical coverages.