Cheap car insurance rates are available if you know a few simple tips and tricks to getting the best deal.
The first of those tips is to take the time to do some comparison shopping online using the various free insurance quote services.
That one step of getting free online auto insurance quotes is enough in itself to save you both time and money.
Personally, I also find that it takes some of the stress out of the whole process of trying to determine which car insurance company I should use each year (and yes, I do change companies frequently as needed).
No one wants to spend more money on their auto insurance than they absolutely have to, and I'm no exception.
I generally consider insurance premiums to be "wasted money" because thankfully I haven't had to make an "at fault" claim in almost 30 years of driving.
However, we are required by law to buy car insurance, so I want to spend the least amount possible. I know I can think of a lot of other ways to spend my money. How about you? :-)
As I said from the start, the best thing to do is shop around.
Car insurance comparison shopping is one of the best and easiest ways to get yourself a better deal. Insurance is a competitive field, and everyone wants your business.
You also will save money by getting your insurance online through online quotes. It takes less staffing and operating expenses to deal with clients online. The savings to the company is passed on to you. Well, let's not get carried away. Some of the savings is passed on to you. ;-)
The next practical tip for finding the cheapest car insurance rates is to be sure to check into all possible discounts. Different insurance companies will offer special discounts for various things in order to reduce your rates and win your business. Be familiar with the discounts that you are likely eligible for so that you can negotiate the best deal for yourself.
If you don't ask, they probably won't tell!
Ready? Start by choosing a few of these companies and apply for their free online quotes:
Choose your cheapest and most desirable quotes from those provided. If
you get a quote you like from an insurance company you are unfamiliar
with or have never heard of, check them out further.
Just do a quick check to see if they are reputable. You can visit the A.M. Best or Standard & Poor's site and evaluate the company stability. You can also check with your state insurance regulator. They usually have a list of how many complaints each company has against them in any given year. That's a fairly good barometer.
Finally, the only thing left to do is finalize your policy and sit back and enjoy your cheap car insurance rates. Think about what you'll buy with that extra cash you've just saved. Have fun!