How to Get The Best Auto Insurance Quote For You

One of the prerequisites to saving money on your insurance is shopping around and auto insurance comparison. Whether you’re getting quotes from insurance agent in your local area or getting online auto insurance, there are some steps that you can take to increase the chances of saving money on your insurance premiums.

If you’re interested in saving the most money, it will take a little bit of work on your part to make sure that you get the best auto insurance from the various auto insurance companies that you work with. While it will require some effort on your part, it could save you quite a bit of money over the long-term. Enter your ZIP on our homepage to get compare quotes for FREE!

Make Sure the Make and Model Are Correct

When you’re getting out of insurance quote, one of the most important steps for you to take is to make sure that that make, model and year are correct. Some car brands have confusing make and model information surrounding their vehicles. For example, you might have a Ford Taurus ZX-2 and you tell the insurance company that you have a Ford Taurus. Leaving off the ZX-2 on the end of the name could affect the quote from the insurance company.

Every make, model and year has its own insurance premium rates that are set by the insurance company based on how likely that card is to get into an accident. Some cars are more likely than others to have problems because they have more powerful engines or encourage bad driving.

If you want to make sure that you’re getting the right quote from an insurance company, double check the information that you have about your car to make sure that you’re getting the correct quote. Otherwise, you may end up paying more for your car insurance premiums than you should have to.

Get Your Credit in Order

Another factor that can impact the amount of money that you have to pay for car insurance premiums is your credit score. Most consumers think that their credit score only impacts their ability to get a loan or how much they pay in interest charges. In reality, it has a direct impact on how much you have to pay for auto insurance premiums as well.

The insurance companies have shown that there is a connection between having a low credit score and the likelihood of filing claims. This means that insurance companies charge more to customers that have low credit scores than they do to customers who have higher scores.

Because of this, you should do everything that you can to get your credit score in order before you start shopping around for auto insurance policies. For example, you may want to get a copy of your credit report before shopping for insurance. Experian, Transunion and Equifax all have their own credit reports and checking them all can help you ensure that there are no problems.

If one of the credit bureaus has reported something falsely on your report, it could negatively impact your credit score and your premiums. Most of the time, you can simply contact the credit bureaus and have these issues fixed relatively quickly.

If you get a copy of your credit report and you determine that you have too much debt on your credit accounts, you may want to take steps to pay down these debts quickly. If you can get the debts that you owe down to below 30 percent of the available credit on the accounts, this will help boost your score. While you will not be able to fix your credit score overnight, you can make a difference over a period of a few weeks or months.

Compare Like Policies

When it comes to “from insurance companies, you have to make sure that you are comparing like policies. There are many different variables that you can request when it comes to getting an insurance quote. For example, you need to make sure that the deductible is the same for each policy that you compare.

If one deductible is higher than the deductible on another policy, you will not be able to accurately compare the premium costs for the two.

When comparing policies, you also have to make sure that the liability insurance coverage limits are the same. When buying liability insurance, you have to choose the limit for bodily injury and the limit for personal property damage.

If you have higher limits on one policy, this will usually make the premiums for that policy increase. If you are trying to compare policies that don’t have the same liability insurance limits, you will not really be comparing apples against apples.

Request Discounts

During the process of getting quotes from auto insurance companies, you should also ask about any potential discounts that you may be eligible for. In many cases, insurance companies will provide you with discounts based on your situation.

For instance, if you are a member of the military, you may be able to get a discount on your auto insurance. If you have an AARP membership, you could be eligible for a cheaper rate as well.

When you have taken a driver safety course, this could give you a cheaper rate on your premiums also.Every insurance company has different discounts and they don’t always volunteer that information.

If you are proactive and ask about any potential discounts, the agent will then begin scouring through the available discounts that he can offer you.

If you let it be known that you are shopping around, the insurance agent may be more forthcoming about these discounts and try to use all of them that he can so that he will earn your business. Otherwise, the agent may not mention the discounts so that he can get a bigger commission on the sale of the insurance policy. Try our FREE quote comparison tool by entering your ZIP!

Considerations

When it comes to saving money on your auto insurance, you may have to spend some time and talk to multiple insurance companies before you can feel comfortable that you are getting the best deal. Every insurance company has different types of policies and different rates for them. If you’re willing to take the time, it can score you a great deal on your auto insurance policy.

In some cases, you can use online tools to speed up the process of shopping for an auto insurance policy. Just make sure that the tools are provided by unbiased services and are not simply trying to steer you toward a particular insurance carrier. At that point, you can make an educated decision about choosing a policy. Enter your ZIP on our homepage to get compare quotes for FREE!