subject: Buying Low Cost Auto Insurance From Top Insurers [print this page] You spend time shopping for lots of things because you are a smart consumer who wants quality at a good price. But if you are a person who is going to take the time to shop for a new smart phone or shoes, doesn't it make sense to take time to shop for car insurance?
Do you want low cost car insurance?
Insurers are different. They have different policies, discounts, and plans. Beyond that, the same company has very different raate structures in different states, or even in different towns. What this means is that you need to look for the top plans in your local area. And you need to find a car insurance company who will give you, and your family, the best coverage for your money.
Think about some insurers who advertise themselves as the low cost alternative. Are they always cheaper? You may be sacrificing some coverage that will cost you more in the long run. In addition, they may really be cheaper for some drivers, but may not offer the discounts that will make them a better deal for a vehicle owner like you.
Some auto insurance companies only cover vehicles. They do not offer home insurance. But homeowners, and even renters, can take advantage of multiple policy discounts. This can cut hundreds of dollars a year off of monthly premiums. Sometimes, depending upon your situation, the larger insurer may actually be ready to offer you a better deal.
This may especially true if you have a high risk driver, like a teen, in your family. A larger car insurance company may be more willing to absorb the risk of that one driver in order to get all of the family business. You cannot always assume that the insurer who brands themself as cheaper, will always be cheaper for you.
It is important to shop around for the best auto policy deals. Insurers do base rates on the age of the drivers, the make of the car, and several other factors. So it may seem compicated to comparison shop with so much to consider. But actually, these days, it is rather simple to get competitive auto insurance quotes from top insurers.
You can look online for a fast and free insurance quote form. The entire thing takes less than 5 minutes to fill out. In return for a couple of minutes of your time, you will get competitive quotes from nationally know insurers who are eager to compete for your business.
The forms do not obligate you to purchase anything. You can browse the quotes, choose to contact an agent for more information, or just keep your old company. Many people do save money, but some do not. The satisfaction that you are getting the best deal, and being a smart and informed consumer, should motivate you though.
Look for a quote form with third party verification, like the Better Business Bureau. Check to see if there is an indication the form is secure. Sometimes there will be a little icon or "key" symbol. Beyond that, try to use quote forms that compare multiple insurers, and are not just one by one company. This should give you a true and fair picture of the market.
by: Marilyn Katz
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