If you are looking for an auto insurance car quote, be sure you know the facts about the different types of insurance and do your homework.
You can actually save a fair amount of money if you get a range of car insurance quotes and do some comparison shopping. It's amazing the difference in prices between the various auto insurance companies.
You can go about getting your auto insurance quotes by going from agency to agency in person, speaking to agents or brokers on the telephone, or even by shopping for car insurance online.
However you decide to get your quotes, be prepared to answer a lot of questions. Those insurance agents are nosy people! :)
I'm joking, of course! No, not about the questions. That part's true.
The reason for all the questions is because every single little snippet of info about you, your vehicle, and your location has an effect on what kind of price you're going to have to pay for your insurance coverage.
Let me give you a few more specifics about what kind of information I'm talking about and how it all works together in establishing your insurance premium.
When you begin your quote process (whether online or offline), you'll need to provide the agent or broker with a number of personal
details, like name, address, phone number, age, and driving record
You will also need to give the same details of any other members of your household who will also drive your car.
Next you will need to give the specific details about your vehicle - the year, make, model, VIN number, safety features, and where you house your car (outside or garage) when not in use.
Finally, in order to get an accurate auto insurance car quote, you need to inform the insurer what amount and type of coverage you want, including the amounts of the deductibles you are willing to pay.
Don't be afraid to ask the insurance agent or broker about how you can reduce your premiums through available discounts.
If I'm speaking directly with "real person," I even like to tell them that I am shopping around for the best price. Don't let them make you feel like you have to commit yourself right then.
They want your business, especially if you have a good track record. There is a margin that they can work with and give you a better quote in order to beat the competition.
Even if you already have a policy with a particular company, don't be shy about asking for reduced rates to stay with them, especially if you have already received a cheaper quote from someone else.
I hope these tips help you get a bargain.