What is the easiest way to compare cheap auto insurance rates?

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Things to Remember...
  • Doing the first steps in comparing auto insurance online will save you the hassle of making numerous phone calls to insurance
  • It’s ideal to shop insurance rates every year or two unless you have some major change that will change your premiums, whether or not it will result in an increase or decrease in the amount you pay
  • Make sure when you are researching companies you check to see if they offer discounts

The thought of having to compare auto insurance rates and choose the right policy for your needs can seem like a daunting task. You can make it easy with our FREE insurance comparison tool above! While it will take time if you do a thorough search and comparison, the easiest way to compare

While it will take time, if you do a thorough search and comparison, the easiest way to compare cheap auto insurance rates is to try our online search.

Doing the first steps in comparing auto insurance online will save you the hassle of making numerous phone calls to insurance agencies or visits to insurance reps and it can also be done when you have time.

You probably can’t get your local agent on the phone at two in the morning, but you can compare cheap auto insurance rates online 24/7.

The internet makes it easy for you to compare cheap auto insurance rates. You simply need to enter your zip code and then some basic information about your driving history and vehicle to get basic quotes.

At any time during the process, you can easily contact a representative of the insurance company through the Internet or toll-free number. Most companies have customer service reps working around the clock for your convenience.

Information that You’ll Need when Comparing Cheap Auto Insurance Online

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To speed up the process of doing your comparison, make sure that you have the following information handy when you sit down at your computer to get your auto insurance quotes.

You’ll need some or all of this information after inputting your zip code in the comparison search engine:

  • The make and model of your car(s)
  • The safety and security features that are on each car
  • The amount of coverage that you require
  • The deductible that you want
  • Basic information about your driving record

Why You Should Compare Auto Insurance Rates

With busy lives, many people just stick with the same auto insurance companies that they’ve used since they first got their drivers license.

The thought of spending a few hours comparing cheap auto insurance rates is not something many people get excited about doing, they’d rather watch a ball game or catch up on sleep.

However, a few hours of your time could translate into hundreds of dollars of savings annually if you find an insurer who has much better rates than you are currently paying.

Even though two companies may quote you the exact same price, their terms and conditions might vary.

You’ll need to read through their contracts and all the “fine print” to be able to make your own comparisons and decide which plan is best for you.

Additionally, since rates do tend to go up over the years if you stick with the same company, getting a lower rate now will mean that the increase in premiums will be less, in five years, than if you had kept your old, more expensive auto insurance policy.

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How Often Should You Compare Auto Insurance Rates

It’s ideal to shop insurance rates every year or two unless you have some major change that will change your premiums, whether or not it will result in an increase or decrease in the amount you pay.

There are many auto insurance discounts you could easily qualify for. Here are some events that might cause you to compare auto insurance rates again:

  • Getting an accident or other driving offense taken off of your record
  • Taking a defensive driving course
  • Getting a new car. Opt for a more environmentally friendly model with safety features to get better discounts
  • Building an emergency fund and being able to cover a higher deductible
  • Adding or eliminating a teenage driver from your policy
  • Getting married, buying a house or increasing your credit score

How to Check the Reliability of Auto Insurance Companies

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When you do a free online auto insurance rate comparison you should look for quotes from the best auto insurance companies so you can rest assured that they have a good track record of providing great service to their clients.

If you are still uncertain, you can take a few additional steps to check into a company:

  • Visit their website and browse around to see if they have an informative FAQ section, clearly providing a way to contact them online or via phone and provide useful information about their insurance policies.
  • Go to your state’s Department of Insurance website to check for customer complaints about the insurance company. While not all people will report complaints to this agency, you can be sure that it will offer a good view of what customers think. If there’s just one complaint, out of several hundred, it’s likely a fluke. On the other hand, if the company is getting more than 10 percent of the complaints, you might want to be cautious.
  • Head to the websites of the Better Business Bureau, J.D. Power and Associates and A.M. Best to see the ratings that the insurance company has been given.

Tips to Keep Your Insurance Premiums Low

While you certainly won’t qualify for every possible discount that insurance companies offer, there are things you can do on a daily basis to ensure that you maintain, or improve, your status as a safe driver:

  • Drive at or below the speed limit. This will prevent speeding tickets, reduce the chance of accidents and research has shown that, on highway driving, just going one mile per hour under the speed limit can save on fuel costs up to $10 per hour of highway drive time.
  • Use safety devices regularly to prevent break-ins and injury in the event of an accident.
  • Maintain an emergency fund so that in the event that you have a small claim to file, you can cover it yourself. Any claim, no matter how small, affects your insurance rates.

Now that you know how easy it is to compare cheap auto insurance online, why you should do it, and how often you should compare them, do it today.

You could find yourself with a little extra cash in your budget within the next twenty-four hours! Start now with our FREE insurance quote tool below!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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