Shopping for Auto Insurance

July 6, 2017 · Posted in General Articles on Car Insurance 

If you want to save money on your auto insurance, keep in mind that there is not one company out there that will always give out the cheapest quotes. Although there are many commercials from insurers saying that they are the best, this is not the case.

You have likely seen Progressive’s Flo and Geico’s famous Gecko. Yes, both Flo and the Gecko are very admirable. Despite this, you should keep in mind that they were created to make you want to shop with only the advertising insurer.

Did you know that car insurance premiums can vary by as much as $1,000 for a year’s worth of insurance?

Your state insurance website, which you can access from the NAIC site, may have a survey, which gives sample quotes from your local insurers. These surveys are created not so you know which insurer is the most affordable, but to remind you that the best thing you can do, when getting a new quote, is to shop around.

Online comparison websites may not be as great as you think they are. The prices that you get from these sites may not be accurate because the more direct contact you have with an insurer, the more discounts you can find out about and apply for. Also, some of the lowest prices will not appear because these providers do not pay these comparison sites anything.

It is always a good idea to speak to an independent car insurance agent. Agents that are independent can analyze your situation and match you with the best insurer. For example, you may have poor credit and have trouble getting a decent quote. Because they have links with many providers, they can get you a good quote.

You can easily find an independent agent in your area by going to the auto insurance section of your Yellowpages or business directory. If the agent or agency name is something that is not familiar to you (such as Sunshine Auto Insurance), you are likely looking at an independent agency. If the agency’s name is something like Michael Brown-All State, you can get car insurance from only that single insurer.

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