subject: Auto Insurance - The One Thing You Should Do Differently When Getting Car Insurance [print this page] Auto Insurance - The One Thing You Should Do Differently When Getting Car Insurance
Let's face it, you haven't spent the past 3 years or more of your life, reading up on insurance policies, rules, regulations or keeping track of what insurers offer. Yet the time has come for you to get car insurance. How do you proceed? You have options. Some better than others. Read this article and find out what one thing done differently saves you the most, both in terms of money and in terms of hassles.
Everybody tells you to shop around, compare car insurance quotes. Everybody is right, if you do your research well, you do save. The problem is that doing the research well takes a lot of time. And you might not ever know if you've uncovered everything you needed to uncover.
So, most people will advise you to search online, Google 'compare auto insurance' or just 'auto insurance' and start sifting through the tons of results. The goal being to locate several reputable insurers and compare auto insurance quotes from them side by side. Basic yet wise advice.
But.
You're not an insurance expert, so it will take time. And even after spending days researching you might not even know all the questions you need to ask.
So, what's the solution?
Instead of searching for a good insurance quote, search for a good independent insurance agent.
Why is that the solution?
Independent insurance agents, unlike regular ones, have access to tons and tons of insurance companies, insurance programs. Unlike you, they know the ins and outs of the insurance business.
The only hiccup - you still have to find a good one. But even an average one can get you the same or better insurance than you can on your own. And in a lot less time. Usually, they are able to find you a cheaper policy. Usually, they make sure you get the right insurance. Because the biggest problem with car insurance is not that people pay too much (I know, it sometimes seems that way) but that they are under-insured.
The one thing that if you did it made the biggest difference with your car insurance, though, is not going to an independent insurance agent. The one thing that if you did it made the biggest difference with your car insurance is going to several of them and have them do your research for you.
They might all come back with the same insurance program, case in which you know for a fact that it is the best, cheapest insurance for you and your car. They might come back with different programs, then you get to ask them to tell you why they think theirs is the best. You end up with a lot of good information. You make a better decision.
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