FREE Auto Insurance Comparison
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Car insurance is rarely an inexpensive proposition. Finding the most affordable and best insurance for your needs often requires looking at several auto insurance premium rate quotes and finding out about ways to bring down rates even further before making a purchasing decision.
There are a number of places you can turn to in order to find affordable car insurance rates, and there are numerous ways to compare auto insurance company rates.
Our FREE car insurance comparison tool is available to you now when you enter your ZIP code to help you save money and find affordable rates.
Insurance Comparison Websites
Excellent sources for getting premium rates quotes are insurance comparison websites that get quotes from an auto insurance company online. These types of websites allow you to request rate quotes from several companies at one time.
In addition to providing basic information, you will also need to provide contact information, including an email address and telephone number.
When you are buying car insurance, you should compare rates from at least three companies before making a buying choice.
Comparison websites are wonderful for finding out about premium rates because you get rate quotes fairly quickly. Quotes may be provided on the website page or you may receive a telephone call or email from an insurance company or broker.
Try calling an auto insurance company for even more specific information. In most cases, you will receive contact within a matter of minutes or a few hours of submitting your rate request.
Comparison websites also frequently have recommendations for auto insurance companies. They may have a forum section where visitors post comments or questions regarding auto insurance or insurance companies.
By reviewing posts, you may get some ideas about companies to consider or avoid.
Independent Insurance Brokers
Independent insurance brokers can also be an excellent source of information and premium rate quotes. Independent insurance brokers usually represent numerous insurance companies and a wide variety of different types of insurance.
They can help you understand your insurance needs better by explaining the different types of auto insurance and what kind of protection they offer.
In addition to providing you with insurance quotes from several different insurance companies, independent brokers may also help keep your costs down by reviewing your premium rates each time your policy comes up for renewal.
They may also be able to offer suggestions on ways to lower your rates.
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If you want to do the footwork yourself, you can also get car insurance premium rate quotes directly from insurance companies.
Almost all insurance companies have websites which allow you to request quotes online. In addition to rate information, you can also find out about other products they offer and benefits they extend to policyholders.
Insurance company websites can also provide you with information about how to file a claim and how to contact customer service.
You may also be able to find out about important contact telephone numbers, including local offices or brokers in your area.
Methods to Lower Car Insurance Premiums
The price you are quoted for an auto insurance premium rate may not be the lowest rate possible. In fact, there are many ways to lower your rates and make car insurance even more affordable.
Ask about discounts. These days, almost all car insurance companies offer some form of discounts, but you may need to ask about them before they will be offered to you. If you own a newer car, some discounts may surprise you, since they are for standard equipment.
For example, discounts are offered for safety equipment, such as airbags, traction control, and anti-lock brakes.
Other common discounts include discounts for older drivers, good students, and individuals who take driving improvement courses.
You can also receive lower rates if you purchase several types of insurance from the same company. You will receive lower rates on all policies you purchase. For example, rental insurance is usually extremely inexpensive. By spending a little money buying a rental insurance policy, you can also see a significant decrease in your car insurance.
If you have an older car, you can also save on your auto insurance by only buying the insurance you really need.
Owners of newer cars benefit by carrying collision and comprehensive insurance and may be required to carry this kind of coverage, in addition to liability insurance, if the car is financed with an auto loan or a lease.
However, if your car is older than eight years old, it may be financially smarter to drop comprehensive and collision and only carry medical payment and liability insurance.
Consider Repair and Driving Costs
Insurance companies only pay for repairs if it costs less to repair the car than declaring the car a total loss. However, with older cars, the depreciated value means that many accidents result in repairs that are more expensive than what the car is worth.
Since the amount paid in a total loss is the value of the car at the time of the accident, most owners are surprised to find they are paid far less than Blue Book value for their car.
Instead of paying high premiums for full coverage, consider saving that money and setting it aside in case you need to buy a new car if you have an accident.
It may not be a popular decision, but another way to save money on your car insurance is to delay getting a drivers license for your teenagers. Insurance rates for teen drivers are high and will dramatically increase your premium rates.
As long as they do not have a drivers license, you will not be required to include them on your auto insurance policy.
You can find affordable car insurance rates from a number of sources including insurance comparison websites, independent insurance brokers and insurance companies.
Before buying an auto insurance policy, ask about discounts and ways that your rates might lower further and compare rates from at least three companies.
Enter your ZIP code into our FREE car insurance tool to look at the rates you have available to you now! When comparing rates, make sure you are looking at the same type, level of coverage and deductible amounts for an accurate evaluation of rates.