Compare Your Auto Insurance Quote

Comparing insurance quotes will allow you to ensure that you are getting the best deal possible on car insurance.  You’ll want to do a few things when you are comparing insurance rates to be sure that you get the coverage that you need for the price that is right.

Shop aroundDon’t be afraid to shop around.  You don’t have to stick with the same company just because you have been with them for years.  You should make the companies compete for your business.  You will find that prices vary widely from company to company so ask three to four different companies for a quote.  When you talk to them make them earn your business.  Talk to your friends and your family members about where they have gotten their insurance from and how they feel about the coverage, service, and pricing. 

Higher DeductiblesYou can lower your payment by asking for higher deductibles.  Deductibles are what you pay for before the insurance policy kicks in and begins to make payments.  When you raise your deductible you can lower your rates a lot.  Raising your deductible just a couple hundred dollars can reduce your premium by 10 to 30%, which is a lot!  If you raise your deductible over $1,000 you can save 40% or more on your premium.

Safety and Anti-theft DevicesYou may be eligible for further insurance discounts if your vehicle is equipped with one or more options:  anti-lock brakes, automatic seat belts, air bags, or traction control.  Installing a vehicle recovery systems such as LoJack or Teletracer can save you up to 7-10% per year. Multiple PoliciesInsuring two or more vehicles through the same insurance company can help to reduce your insurance rates by as much as 10%-15%.  Covering your home through the same company that insures your vehicles can help lower your rates by an additional 10%-15%. 

Teen DriversTeenagers and college bound drivers may consider driving the family car instead of driving his or her own vehicle.  Students attending school and living away from home can reduce their premiums by as much as 30-50 percent this way.  This is a huge savings!Inquire about DiscountsMost insurance companies offer discounts. While the availability of discounts will vary depending on your insurer, where you live and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of.

Choose vehicles wisely  If you’re purchasing a new car and have narrowed it down to two or three options compare the auto insurance rates of each to see if there is a notable difference in the cost to insure.