Find Car Insurance Online Fast & Easy!
It’s official. The quickest and easiest way to save on your auto insurance is to get your get quotes for your car insurance online. There’s no tedious research, no long phone calls, and no second guessing your rate. All you have to do is request a free comparison for car insurance online and you’ll instantly get up to five low rates on your auto insurance.
1. Enter Your Zip Code
Fill in a short form with your basic information. It only takes a few moments and will give agents a better idea of what you are looking for in a car insurance policy. This will make the process quicker and save you more money!
2. Get up to 5 Free Quotes
Up to five auto insurance agents will contact you with plans offering you the most coverage at the lowest possible price. They are all in your local area and know they are competing with other agents nearby. When agents compete for your business – you always win!
3. Pick Your Plan
Simply choose the agent that you feel most comfortable with and that offers you the best coverage at the lowest rate. See how much money you will save when you get quotes for your car insurance online!
Best Way to Save on Your Car Insurance
Today, people shop for everything online to find great deals. It’s convenient and easy to compare prices. It is just as common to shop for car insurance online. In fact, people can save up to 40% on their auto insurance simply by requesting free quotes online.
It’s simple to save on your auto insurance when you shop online. However, there are a few tips you can use in order to make the process as seamless as possible. When you are getting started by filling out your online form, be as accurate and honest as possible. This will speed up the process in the long run.
Enter the entire driver’s information including identification specifics and driving history. Also include whether the car is currently insured and have all the current or recent auto insurance policy information available. Determine what coverage is needed ahead of time and have a list of questions prepared so you fully understand your policy.
You can also create a list of coverage items you need and a list of coverage items you may want. Then, you can see how much your policy would go up with each additional item. You can easily decide how much more coverage you want to add depending on what you can afford.
In addition to finding the most complete coverage at the lowest rate, consider other factors that will make your experience with a specific company better, or worse. Find out about the claims process and the customer service of the agency. Look online to see if there are any complaints about the company and see how long they have been in business. You can even find out about the financial stability and reputation of the company before doing business with them by searching through state department records.
You can do as little or as much research as you’d like, but one thing you can count on is your gut. Did the agent treat you in a courteous and professional manner? Was the agent knowledgeable about car insurance and the company claim process? Was the agent patient and spend time with you to ensure you fully understood your policy? Weigh the pros and cons of each policy and agent to choose the car insurance quote that’s right for you.
It’s quick and easy! You can get started now simply by entering your zip code. You can save up to 40% by getting your quote for car insurance online!
Tips to Save More on Your Car Insurance
It’s no secret that the best way to save on your auto insurance is to shop for quotes for your car insurance online. However, there are additional ways that you can save money on your auto insurance. On top of all of your savings from shopping around, check out these helpful tips to save even more!
1. Good Credit Equals Low Rates
Believe it or not, even insurance companies are pulling credit reports now. Why? Studies have shown an overwhelming correlation between credit scores and the likelihood that a claim will be filed. Insurers also recognize that if you typically pay your bills on time and hold the same credit accounts over a long period of time, you will likely do the same with their agency. You will more likely pay your auto insurance premiums on time and you will more likely stay with their company.
Furthermore, they use this information to create your “insurance-risk score.” Although your insurance-risk score may not be available to you, you can look at your credit score to get a good idea of what it may be. If you credit history is less than perfect, look for ways to clean it up. It will save you more money than just on your car insurance. Look for resources to help you online.
2. Your Car Model Affects Your Premiums
Car insurers have a rating system for every single car make and model. This system brings into play several factors, including the cost of the vehicle, the safety rating and theft data. Cars are rated from 1 to 27 and the higher the number, the higher your premium will be. Although this information is not available to the general public, you can call your auto insurance provider and ask how much your payments will go up if you buy a specific type of car. This is something you should do when you are considering different types of cars to purchase to save the most money on your car insurance.
3. Pay All at Once
If you can afford to, pay your annual premiums all at once rather than in installments. Even paying in six-month or quarterly basis may help keep your installment fees lower – and definitely lower than month to month payments. In addition, if premiums go up at a certain increment, you may miss out on that for up to a year because you paid ahead of time. Also, if you miss a payment, you could have your policy cancelled, which opens up more problems than installment fees. To save on your car insurance, pay all your fees at once.
4. Your Car is Not Your Safe
Don’t keep valuable items in your car because it is not covered on your car insurance policy. If a personal item, such as CDs, DVDs, shoes, purses, luggage, laptops, and anything else you may have in your vehicle, is stolen or damaged, it will not be covered by your car insurance. You can, however, add these items to your home insurance or renter’s insurance policy and you could have them covered here. Be sure to talk to your insurance provider. The best policy to follow is to just not keep valuables in your car.
5. Bad Drivers Pay Bad Rates
Bad driving records equate to bad insurance rates. Industry standards are to increase premiums by 40% of the insurer’s base rate after your first at-fault accident. Though not all insurers use this formula, chances are your rate will go up after your first at-fault accident. Some policies may have an accident forgiveness clause. If you are insuring a new driver, it may be a good idea to look into what agencies offer this in policies. Find out how to qualify when you are trying to save money on car insurance. Remember to shop around to get the cheapest quotes for your car insurance online.
6. What’s Your Car Really Worth?
People love their cars. Some even have cute names for their cars. Ruby for the little red Jetta. Rusty for the ‘89 Dodge Spirit. They typically feel they are worth more than the monetary value because of the personal value they place on their vehicle. However, not putting this love affair in check could hit your pocket book.
Find out what your “totaled” car value is. Car insurance companies do not use the Kelley Blue Book or National Association of Automobile Dealers to set a value. Rather, each company has its own list of values. Consider your car’s mileage and pre-accident condition. Talk to your agent about this to find out what your car is really worth should it be totaled in an accident.
If you are in an accident and your car is totaled, and you disagree with the amount the agency is willing to pay, there are some steps you can take. First, you can plan ahead by getting gap insurance, which is additional coverage that will cover the difference between what the insurer will cover and what you owe. This could be several thousand dollars.
Second, keep good records. If you can prove with document records that you had your oil changed every 3,000 miles and had regular mechanical work done and show that the car was in good condition, this could help. Be sure to include any special parts or upgrades. Save receipts and records.
Go to different dealers to get within a reasonable distance to get price quotes on replacement cars. Submit these to your insurance company. You can also ask for a list of dealers who your insurance agency uses for the company claims.
Still not satisfied? Go to mediation or arbitration or even court. These options involve presenting your case to neutral parties to reach a compromise.
7. Diminishing Value could mean Diminishing Premiums
If you’ve had the same car for 10 years, chances are, it’s not worth as much as it did back in its glory days. Moreover, if your car was in an accident, it is likely worth less than it was before the accident – even after repairs. If there are reasons your car’s value has lessened, then that’s a great reason for your auto premiums to lessen as well.
8. Wait to Add Your Teen
Your teen may be excited to drive, but you’re probably not excited to pay the increase in insurance premiums. So, hold off. You are not required to add your teenager to your policy just because they reached their driving age. Wait until your teen has their license or permit. But make sure you add them to your policy before they get behind the wheel. If you don’t, there could be huge consequences.
These are all great ways to save even more on your car insurance policy. However, remember that the quickest and easiest way to save is to get quotes for your car insurance online. Get your free car insurance quotes today!