Using Car Insurance Quote Comparison to Save Money

April 16, 2017 · Posted in General Articles on Car Insurance 

If you are a driver – which is likely if you are 16 or older in America – you carry some form of car insurance. Whether you agree it’s a necessity or not or whether you think the minimum coverage requirement is enough or not, you pay for car insurance because you are required to do so. But did you know deftly using car insurance quote comparison can actually save a lot in premiums?

You don’t have to spend an extra dollar beyond what you need to get the best value rates. Comparing quotes from various providers and speaking with your agent about what your needs are can lead you discounts you are entitled to, or could qualify for.

Here’s how to use car insurance quote comparison:

The first thing to do is to find out if you are getting the lowest possible rate from your current insurer:

1. Know your discounts. Good-paying customers get rewards. Part-time drivers are issued discounts. Federal and military drivers are entitled to discounts. Disabled people, senior citizens or those affiliated with certain groups get discounts. Knowing which of these discounts apply to you helps you weed out agents and sellers who excessively overprice.

2. Choose a vehicle which is reasonably priced and practical – economy class cars tend to cost far less to insure. Even if your car is brand new, it can cost more or less to insure depending on the make and model.

3. Install safety features on your car. Airbags, anti-lock breaking systems, seat belts and other safety features on your car entitles you to discounts. If your provider does not specifically give it, ask for it. Discounts associated with some of these safety features are not yet advertised; be sure and ask.

4. Be a careful, responsible driver. Limit your driving to when it is actually necessary, since insurance companies offer discounted premiums to drivers with low mileage. Take some driving safety classes and maintain a clean driving record for further discounts. If you stay with the same insurance company for three years or longer, you can also get a discount – ask your insurer about loyalty discounts or longevity discounts.

After looking into how you may be able to get lower rates from your current insurance company, do a car insurance quote comparison to see how other companies stack up. You can get quotes for bundled policies as well – packages of insurance coverage which include car and homeowner’s insurance all in one. The majority of insurance companies provide this option; if you choose to purchase home and car insurance from the same company, you will often receive discounts of as high as 25%.

Running a car insurance quote comparison for different companies can help you to get the best possible rate. Once you have narrowed down the field to the three you like best, contact them for a quote by phone or in person, asking them if they can match or beat the quotes provided by their competitors.

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