Save Hundreds on Lotus Exige Insurance in Five Minutes or Less

Trying to find low-cost insurance for your Lotus Exige can normally be difficult, but you can use the following methods and make it easy. There is a better way to find auto insurance online and you need to know the quickest way to compare rates on a Lotus and find the lowest price from local insurance agents and online providers.

Finding affordable coverage is not rocket science. Just about every driver who buys auto insurance will most likely be able to reduce their rates. Although vehicle owners must know the way companies sell insurance online and apply this information to your search.

How to Buy Auto Insurance Online

To find the best auto insurance prices, there are several ways to compare rate quotes from local auto insurance companies. The easiest way by far to find the cheapest Lotus Exige insurance rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

The first (and easiest) way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate quote forms to each individual auto insurance company. A single, simple form will return price quotes from all major companies. It’s definitely the quickest method.
A less efficient way to compare rate quotes is to take the time to go to the website of each company and fill out their own quote form. For examples sake, let’s assume you want to compare Allstate, 21st Century and GMAC. To find out each rate you need to go to every website 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 of comparing rate quotes is to waste gas driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed agents. You can, however, price shop online and get advice from an agent in your area and you’ll learn how to do that later.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage limits and deductibles with each company. If you have higher or lower deductibles it’s impossible to determine the best price for your Lotus Exige. Just a small difference in coverage limits may result in large price differences. It’s important to know that more quotes will improve the odds of getting the best price.

Cut your premium with discounts

Auto insurance companies do not advertise all available discounts very well, so we researched some of the best known and also the lesser-known ways to save on auto insurance.

55 and Retired – If you qualify as a senior citizen, you may receive better auto insurance rates on Exige insurance.
E-sign – Certain companies give back up to $50 for buying your policy over the internet.
New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Military Discounts – Having a family member in the military can result in better rates.
Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Exige insurance with certain companies.
Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

Factors that can influence Lotus Exige insurance rates

An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get better auto insurance rates.

Sex matters – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as reckless driving.
Careful drivers pay lower rates – Even one citation may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
Where do you drive? – Driving more miles in a year the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Exige may be costing you.
Your job and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, business owners and financial analysts have higher average rates in part from high stress and long work days. Conversely, jobs such as scientists, engineers and homemakers get better rates on Exige insurance.

Buying car insurance locally

Some people just want to talk to a local agent and that is just fine! The biggest benefit of price shopping on the web is you may find the lowest rates but still work with a licensed agent.

By using this quick form, your coverage information is transmitted to participating agents who will give you bids for your insurance coverage. You never need to even leave your home because quoted prices will be sent directly to your email. It doesn’t get any easier! You can find the lowest rates without the usual hassles of price shopping.

Deciding on an insurance company requires more thought than just the price. Any agent should have no problem answering these questions: free insurance quote

Does the agency have a good rating with the Better Business Bureau?
Are claims handled at the agent’s location?
Is vehicle mileage a factor when determining depreciation for repairs?
Are you getting all the discounts the company offers?
What insurance companies do they recommend if they are an independent agent?
Do the companies they represent have a solid financial rating?

Two types of insurance agencies

When researching a good insurance agent, you need to know there are two types of agencies to choose from. agents are categorized either independent (non-captive) or captive.

Captive Insurance Agents

Captive agencies work for only one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to provide prices from multiple companies so keep that in mind. They are trained well in insurance sales and that can be a competitive advantage. Some people will only purchase coverage from captives partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

Independent Insurance Agents

Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When comparing rates, you should always get quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with different regional companies which can be an advantage.

To view a complete directory of auto insurance agents, click here.

After receiving acceptable answers to all your questions and a low price estimate, you may have just found a car insurance agent that is a good match to properly service your auto insurance policy.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might point out if your situation will benefit from professional help.

Can I afford low physical damage deductibles?
Should I file a claim if it’s only slightly more than my deductible?
At what point should I drop full coverage?
Does my insurance cover my expensive audio equipment?
When would I need rental car insurance?
When would I need additional glass coverage?
Are all vehicle passengers covered by medical payments coverage?
I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Save $381 a year? Really?

Auto insurance providers like GEICO, State Farm and Progressive consistently run television and radio advertisements. They all make the same claim of big savings if you change to their company. But how can every company make the same claim?

Insurance companies are able to cherry pick for the type of customer they prefer to insure. For instance, a driver they prefer might be profiled as between 25 and 40, a clean driving record, and has a high credit rating. A driver who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Consumers who don’t qualify for the requirements will be charged higher premiums and this can result in business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that much. That is how companies can truthfully advertise the savings. That is why it’s extremely important to get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

Summing up your auto insurance search

People switch companies for a variety of reasons including high prices, policy cancellation, lack of trust in their agent or even questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company can be easy and end up saving you some money.

You just read some good ideas how to compare Lotus Exige insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a smaller regional carrier.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.