Finding Inexpensive Car Insurance Quotes

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Things to Remember...
  • Start by asking a few different questions to learn what you need your car insurance to cover before you start shopping for policies
  • Providing details such as car model, manufacturer, year, VIN and your license information starts the process
  • Make a note to yourself to check your credit a few months before your car insurance comes up for renewal
  • Do your own research on the fiscal strength of car insurance carriers by checking them out at Moody’s, Standard & Poor and at A.M. Best.

Time is a precious resource in this world, which seems to spin at a break-neck speed.

It’s no surprise that when you are shopping for car insurance, you want to find the most inexpensive car insurance quotes quickly with your first search.

Use the FREE tool located above to find and compare car insurance. Simply enter your ZIP code to get started!

Determine Your Insurance Needs before Comparing Quotes

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Start by asking a few different questions to learn what you need your car insurance to cover before you start shopping for policies.

This preparation will make for more efficient searches and less time spent fielding calls and emails from insurance agents who cannot give you the policy you want.

  • Who do you want to cover on your insurance policy?(Adult kids, other drivers, your kids who have their drivers’ permits, children, only yourself?)
  • What vehicles do you want covered?Buy what you can afford or determine what you can afford not to buy. (Is it less expensive for your teen to have his own insurance for himself and his own car? Or, is it more financially beneficial for you to buy coverage for your vehicle and your teenager’s vehicle?)
  • Do you need to keep or drop comprehensive and collision coverage?
  • No health insurance? Then, buy medical coverage. It’s not a lot, but it will help toward medical expenses following a car accident for the insured on your policy.

The next part of the equation is pretty straightforward too. Now that you have enough information, you can start inputting your information into the quote forms online.

Entering details such as car model, manufacturer, year, VIN and your license information starts the process.

How do insurance carriers determine rates?

This information gives insurance carriers the data they need to decide how much to charge for your policy.

If you have high-risk drivers signing onto your policy, your rates will go up.

For instance, if you have a son who has just started driving, your insurance rates may skyrocket.

If you want to be super-prepared, try these additional steps to save time and money by shopping for coverage.

Four Ways to Save with Teenage Drivers

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  • Compare quotes with your son on his own policy
  • Have your son pay for his portion of insurance
  • If your son is doing well in high school and is on the honor roll, choose an insurance carrier who rewards good students by giving out low insurance rates
  • Daughters who are just starting to drive will also cost more than an adult who is older than 25, but not as much as a teenage son

Checking Your Credit

If you are suddenly rattled with higher rates than usual, check your credit report. If there are any negative and incorrect credit events reported it can increase your car insurance rates.

Make a note to yourself to check your credit a few months before your car insurance comes up for renewal.

The reason to allow so much time before buying insurance is to give yourself at least 90 days for corrections to appear on your credit report.

If you have never dealt with the four big credit bureaus, they generally side with creditors, even when you claim inaccuracies are on your own report.

Even when you dispute the information, if your creditor says you owe, then the disputed information remains. That negatively impacts your credit and lending rates.

You might have to take extra steps to contact the creditor, which is not always easy. Take short sales, for instance. Customers might

Customers might have non-deficiency waivers, but the bank reports the short sale as a foreclosure, as a charged off amount with many missed payments.

Let’s say that the customer actually had no missed payments and went to closing with half the money from a real estate sale.

Then a change in language, such as “Settled for less than owed” or “Paid for less than agreed” is more accurate than a charge off.

If you cannot get the creditor to update its inaccuracies, file a complaint with the Consumer Financial Protection Bureau.

They act quickly and more effectively than an individual borrower can. Many times, the executive branch of a bank will respond within a couple of days instead of months of giving the run around to customers.

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Choosing the Best Value

It’s as simple as filling out one form with your data, then hitting enter or send. You may have many carriers contact you about their insurance products.

Be on the lookout for the best carriers and skip over the financially weak and poor customer service perennials.

Do your own research on the fiscal strength of car insurance carriers by checking them out at Moody’s, Standard & Poor and at A.M. Best. The idea is to find a car insurance carrier that has the money to pay out on claims.

The decency and efficiency to pay out on claims is another matter to explore.

Some carriers will withhold money for as long as possible, making customers suffer. The idea for you is to ensure that you are finding a carrier who will honor its promise to pay benefits as agreed in your policy.

Review Customer Feedback

Take the time out to research what other customers have to say about the carriers you are considering. Look for customers who have filed claims and received benefits.

Find out whether the insurance companies paid benefits quickly and as agreed. Do look at any indications about body shops too.

Often times, auto insurers have their own shops or have contracts with body shops or windshield repair firms.

The service, honesty, turnaround time and cost matters where the body shops are concerned. Other consumers will be more than happy to share their experiences.

A little online search may return many great bits of information that show the truth about your potential car insurer.

Lower Deductibles or Premiums

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The way to truly inexpensive car insurance is to whittle down your carriers to the best ones.

Then, start playing around with the deductibles and premiums to ensure that you have the coverage you need at a price you can afford.

The most competitive price will involve asking yourself how much you can afford to pay after an accident or incident.

For instance, remember that the carriers require you to pay the deductibles every time you have to file a claim.

Now, if you bump into a tree, you will only have to pay the relevant deductibles. It’s not every deductible every time, just the relevant one(s).

Can you afford to pay for hitting a tree three different times if the deductible is $1,000 per incident?

Or, is it more reasonable for you to take the risk of a $500 deductible?

If you are a disciplined saver with a stable financial picture, you might set aside the money you save on policies for future deductibles, just in case. 

Otherwise, just choose what works for you today. The idea is to set up a policy that works for you. Buy the best value, not necessarily the cheapest plan.

The difference between cheap and value purchases is in the quality.

A carrier who pays out on claims provides excellent customer service and efficiency is worth the money.

You do not necessarily have to compromise. Take the time to do your research to find the car insurance carrier who works best with your own individual circumstances.

Enter your ZIP code into the comparison tool at the bottom of the page to find the best auto insurance quotes for FREE!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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