How To Shop For Car Insurance – Tips from Smart Money

Jan 8, 2013   //   by admin   //   How To Find Cheap Insurance  //  Comments Off on How To Shop For Car Insurance – Tips from Smart Money

Over at Smart Money, they published a guide back in 2011 with advice for how to shop for car insurance. Some of the key points of the article:

Determine what sort of policy will suit your situation.

Sort out the different parts of the coverage to see what you really need and where you can find savings. Create a list of companies. Not every insurance carrier is licensed in every state, so you need to find out the which carriers can cover you and you car in your state. Here at OnlineCheapInsurance.com, we generate a list of A.M. Best nationally rated insurance carriers who offer quality insurance coverage at great prices in your area. All you need is your zip code to see the list of top rated insurers for your area.

Compare companies

Prices vary between carriers, but it is important to compare coverages, premium and terms to make sure you understand the different offerings. Pick more than one insurance company to get your quote from. Three quotes is a good start, but more comparison is better.

Find places to save

Once you have a quote on coverage, try to find ways to save even more.  Raise your deductible to see what difference it can make on your premium. Do you need towing or rental coverage? Try dropping one or both from your quote to determine if it can make an impact on your rate. If you have an older car, it may save significant dollars to reduce the level coverage on it.

What not to do when shopping for car insurance

Don’t get *cheap* coverage – you want a cheap premium, not a cheap policy! Don’t wait for discounts, ask for them. A pretty good tip here is don’t buy a car, then shop for your coverage. Compare coverage costs for different models of cars before you even hit the car lot.

 

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Users Say

Lynda H

I bought a motorcycle and wanted to add it to my auto policy. It wasn't expensive, but it was more than I was expecting. I got three quotes at Online Cheap Insurance, and they were all less than what my current company charged. A policy for just my car was even lower than what I was already paying.
2011-01-12T09:11:52+00:00
I got three quotes at Online Cheap Insurance, and they were all less than what my current company charged. A policy for just my car was even lower than what I was already paying.

Jorge A

I filled out a quote form at another website, and I got 16 phone calls from insurance agents. Half of them weren't even in my town. And they wanted the same information that I had already put in the form. Pushy! At Online Cheap Insurance I didn't get any phone calls. I just picked the companies I wanted a quote from.

All the insurance companies here are names you've heard of. There aren't any no-name companies - that makes me feel safe.
2012-08-20T14:47:02+00:00
All the insurance companies here are names you've heard of. There aren't any no-name companies - that makes me feel safe.

James N

I tried a form at cheapcarinsunrance.net, and didn't even get any quotes online, but at least ten phone calls from insurance agents. At OnlineCheapInsurance.com I picked five insurance companies and got quotes instantly. I was even able to buy my policy right from the company's website.
2012-10-06T10:38:47+00:00
I tried a form at cheapcarinsunrance.net, and didn't even get any quotes online, but at least ten phone calls from insurance agents. At OnlineCheapInsurance.com I picked five insurance companies and got quotes instantly. I was even able to buy my policy right from the company's website.

Gerald T

I tried a bunch of other insurance sites for quotes. I filled out a form and got nothing but pushy salesmen calling all hours of the day. I probably got six calls from each form I filled out. When I tried Online Cheap Insurance, I got a list of insurance companies that I instantly recognized. I picked which insurance companies I wanted quotes from. It was really easy.
2013-01-07T22:55:31+00:00
When I tried Online Cheap Insurance, I got a list of insurance companies that I instantly recognized. I picked which insurance companies I wanted quotes from. It was really easy.

Leena D

Just put in my zip code and I got a list of big name insurance companies. Even my current insurance company was on the list! They didn't have the cheapest rate, but they offered better options on towing and rental coverage so I stayed with them. I didn't know I had a good deal until I compared what other companies could offer. I can check here again when it is time to renew my policy!
2013-01-07T22:58:34+00:00
Just put in my zip code and I got a list of big name insurance companies. Even my current insurance company was on the list!