A Free Online Auto Insurance Quote is the Best Way to Save

There are many ways to save on car insurance, but getting free online car insurance quotes has the greatest impact on overall savings. You may find savings of hundreds of dollars when you get online insurance quotes for coverage.

Start your free online car insurance quote search right here by inserting your ZIP code into the FREE box to save now!

You can read about how much car insurance will cost until you are blue in the face, but the only true way to know how much any single provider will charge you for coverage is to get a quote. Free, online insurance quotes are the fastest and easiest venue for getting those prices.

Ways Not to Save

Before you start a search for lower priced coverage via quote tools, you to need to know what actions to avoid. Unfortunately, you might hear a lot of bad advice on ways to save money on your policy.

First, you may hear advice on reducing your coverage amounts. You may be told to only purchase your state’s minimum amounts of liability coverage, or to drop optional coverage like collision and comprehensive.

In fact, following this advice may leave you open to lawsuits for other people’s injuries or damages; or it can leave you paying for your personal injuries and damages out of your own pocket in the future. Unless you drive an older vehicle with minimal value, and you don’t have significant assets to protect, keep full coverage if at all possible.

Another piece of advice that you might hear to save money on auto insurance is to fudge a bit on your auto insurance application. You may be advised to lie about how many miles you drive, where you keep your vehicle when it’s parked, or to claim you live in an area that will garner lower insurance rates. The truth is, such lies are actually fraud. At best, you can be dropped by your insurer; and at worst, you can be subject to fines and jail time under prosecution for fraud.

Auto insurance is about protecting you and your assets; it is not a game to see how little you can pay. In most cases, paying too little now means you will pay a lot more later.

The Truth About Car Insurance Commercials

There are many car insurance companies out there who utilize the idea of saving a lot of money to attract customers. While such claims are part of an advertising campaign that does not mean that they are completely untrue.

In actuality, some drivers will be able to save hundreds of dollars with certain companies, and some drivers won’t. It all depends on how the insurance company assesses a driver’s risk. Every insurance provider will assess your risk depending on different factors. Each provider also evaluates those factors in different ways.

Basically, each company has its own set of driver demographics that it labels as the most desirable. Some companies may focus heavily on just your driving record, while others may look more closely at things like credit, gender and the kind of car you drive. These different ways of assessing risk will result in a wide array of premiums.

That provider that claims that you could save money by switching may be the best provider for you. They may provide you with the same coverage for less than others will. On the other hand, you might not fit their most desirable driver demographics, and you might not be able to save money with that company.

There likely is a provider out there that will allow you to save a significant amount of money, and online quotes are the best way to find that provider.

They might not use that particular advertising angle, but you can still save money with them. That is why getting many quotes for is so important.

Why Online Quotes are Best

There are many ways to save on car insurance costs, but comparing rates through quotes will result in the highest amount of savings. All insurance industry experts, such as those at the National Association of Insurance Commissioners, advise that you shop around for insurance coverage. Online venues are the best places to get these quotes.

For one, online quotes are quick and easy to do. It takes much less time to fill out a form online than to do it over the phone or in person with an agent.

The speed at which online quote forms can be completed is limited only by your typing skills and your bandwidth!

Furthermore, you can also get online quotes at any time of the day. Early mornings, in the evening or in the middle of the night are all perfect times to get online quotes. You can also get these quotes from any place that has online access.

If you utilize quote comparison websites in your search, then you can realize even more benefits. First, you only need to fill out one application, and you can get multiple quotes. Second, quote comparison websites might also return rate estimates from companies that you hadn’t thought to get a quote from. Finding online car insurance quotes beyond those from the major providers just might be the best way for you to save.

Tips for Quotes

When you are getting quotes, there are a couple of areas that you need to pay attention to. This will allow you to get the best comparisons, and to save time.

First, you need to make sure that you get quotes for exactly the same amount of coverage, advises the industry regulators at the Maine Department of Insurance. You cannot compare quotes for full coverage against a quote for liability coverage only. You are getting much more protection through full coverage, so it is naturally going to cost more. Utilizing the same amounts of coverage will allow you to compare companies side-by-side.

Next, you need to ensure that you are putting accurate information on your application. Anything other than the truth is considered fraud.

Many car insurance providers understand that applicants won’t be completely truthful on an application, so they check a lot of the information that you give them.

Know for sure that they will check your driving history prior to selling you insurance.

Inaccurate information can result in imprecise quotes; essentially, you may find that a low quote increases greatly once the insurance provider finds out about those five speeding tickets and at-fault accidents you had in the last three years. Some insurance providers may reject your application outright if they find that it contains obviously inaccurate information.

Other Ways to Save

There are many other ways to save on car insurance coverage. Some stand by themselves, and others can be utilized right alongside getting free online quotes. Utilizing other ways to save along with free online insurance quotes will result in truly spectacular savings!

First, you can make yourself look like a better risk in the eyes of the companies. The first place to do this is with your driving history. Obviously, you can’t take back the past, but you can work on your future. Avoid accidents and violations such as speeding tickets as such violations really show car insurance providers that you are a high risk for filing a claim in the future.

Taking a defensive driving course will also help.

Next, you can try to reduce the number of miles you drive. Utilize car pooling, public transportation or other methods of transportation if you’re able. Furthermore, try to protect your vehicle from theft. Park your vehicle in a locked garage if you can, and install antitheft devices such as alarms or tracking devices.

If you are planning on purchasing a new vehicle in the near future, make sure that find one with high safety ratings. The National Highway Traffic Safety Administration conducts vehicle testing to provide safety ratings that keep you and your loved ones safe. Such ratings can also let you know which vehicles will get lower car insurance rates.

Another point that can improve your risk profile in the eyes of insurance providers is your credit score. While the topic is hotly debated, insurance companies maintain that people who take care of their finances are better drivers. Essentially, if you have a poor credit history, then you will be paying more for car insurance, if your state allows this practice. Not all states allow insurers to utilize that information as part of the evaluation of your premium.

Improving your credit history will take time just like improving your driving history.

The Federal Reserve offers tips on improving your credit, such as paying off old debts, using under 50% of your overall credit and challenging items on your report that are not yours or that are inaccurate.

Where to Find Online Quotes

The first place you can find free online quotes is on the websites of the insurance companies themselves. Most car insurance providers understand that many people don’t want to talk to agents just to get a quote, so they have user-friendly websites that allow you to get quotes and conduct other business as a customer.

Hands down, the fastest way to get multiple quotes is to utilize quote comparison websites. These websites take your information and send it out to multiple providers. You only have to enter information once, and you get multiple quotes for your effort. It’s also a really easy way to ensure that you are getting quotes for similar coverage amounts and types.

Once you get quotes, you have no further obligation. You can utilize the quotes just for information’s sake, or you can choose one of the providers from the quotes you receive. Either way, it is very likely that you will be surprised by the savings that you can find!

Start your free search on this page now when you insert your ZIP into the FREE auto insurance finder tool!