Shop Around Online and Compare Multiple Auto Insurance Rates
Purchasing car insurance is not as simple as it sounds if you really want to get the best value for your money. You will need to compare car insurance quotes for starters, but your quest doesn't end there. You will also need to do some research of service capabilities and financial standings of the various companies that are included in your quotes comparison.
When you compare car insurance quotes, make a spreadsheet, or make a chart on a piece of paper to categorize the various benefits and costs for each company. You can find most major companies online with ready-made quoting capabilities right from their websites. You can also use online car quote sites such as Esurance.
Be sure that your have your current car insurance policy out and open to the declaration page, so you know the benefits you currently have, in order to ask for the right information in your quotes. In that way, all you will have to do is enter your information to get the quote. Don't hesitate to call the company directly if you have any questions along the way as most of them will have a customer service department to assist you.
This will also give you an idea of how they handle customer service. If they are difficult to deal with or seem indifferent, that might be something to keep in mind.
Another factor that you will be looking for is whether a company offers any discounts or not. Items such as having anti-lock brakes, having anti-theft device, low mileage driving, no accidents or moving violations in the past 5 years, student good grades discount, driving a newer model car, bundling other insurance such as homeowners or renters insurance with the auto policy, insuring multiple vehicles, driving a car that has a good safety record, and being a military veteran, are just some of the discounts that are available.
Some of these discounts can be a real factor, such as bundling other insurance, such as homeowners for example, can save as much as 15 per cent on some policies. If you don't see any discounts, or have trouble finding them, call the company and ask them if there are any discounts that they are missing.
Your can find company financial standings with AM Best Company, the Weiss ratings, and Standard and Poors.
Another tactic is to contact a local insurance brokerage agency in town or in a nearby town. Speak to a broker, as they handle more than just one company. Most brokerages also handle a lot of commercial coverage which is generally big volume, and they have some clout with companies as to rates due the volume the agency does with the companies.
This can be very helpful in learning what companies are good with claims and you may find companies that are not on TV with a lot of advertising, but are excellent companies. Having a knowledgeable professional broker available for advice provides a good source of information for you to make your decisions when you compare car insurance quotes.