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Thursday, May 20, 2010

5 Excellent Ways to Find the Best Auto Insurance Quote for You

Times are tough and now more than ever you need to ensure that the money you spend is really worth it. Sadly, one of the things that people try to cut on when money is tight is auto insurance (or any type of insurance for that matter). However, this is the very last thing you should do.

No one ever knows when accidents occur and should you ever find yourself on a road accident where you are at fault, car insurance can save you from financial ruin. So no, don’t scrimp on vehicle insurance. However, there are ways when you can get the best auto insurance rate that can save you literally thousands of dollars down the road. Following are some of these tips.

Work on a having a good driving history.
Insurance companies are taking a risk on your driving habits. As such, if you have a good driving track record, then chances of you getting in a road accident (and ergo chances of the insurance company needing to make a payout) are slim. So, good driving record = better car insurance rates.

Know your credit score. Your credit score is one of the things an insurer takes into consideration when figuring out the auto insurance quote to give you. If your credit score is bad, this means your finances are not good, which means you’re a big risk for the insurance company, which in turn means you get a high car insurance rate.

What a lot of people don’t realize is that there are often mistakes in one’s credit score! The best thing to do here is for you to know your credit score NOW and fix any erroneous entries by getting in touch with credit report companies to get these mistakes out and thus improve your credit score. In the end, a good credit score = better car insurance rates!

Read auto insurance reviews online and learn from other people’s experience! With your good driving record history and better credit score in hand it’s time to seek the best car insurance providers. The best way to find these providers is to learn from the experience of others. A great place to be better informed is to visit AutoInsuranceReviewer.com (AIR).

AIR is third-party site where thousands of people just like you sign up and post their own personal reviews of car insurance providers they’ve dealt with. The review criteria for each vehicle insurance company are: Extent of Coverage, Claims, Customer Service, and Car Insurance Cost.

After short-listing your potential car insurance providers, don’t ring them all up as that takes a lot of time. Instead, check out car insurance quote sites online where you can fill out your details once and have the site submit your information to your chosen car insurance providers. Let THEM do the work of getting your business!

Take higher deductibles. If you can afford it, opt to pay a higher deductible (the amount you need to pay the auto insurance company before they pay any claims) than normal. It may be steep at the start but this means paying lower monthly premiums too, which in the long run means more savings for you.

Go ahead and be cheeky… ask for a discount! Nowadays, there are plenty of discounts that can be had on car insurance (e.g., low mileage drivers, presence of anti-theft gadgets in the car, car-poolers, etc.) but in many cases you do have to ask for them! So go ahead and ask! Hey, it’s your money, right?
(ArticlesBase SC #611435)

21 comments:

UAP said...

Thanks for the post. The AIR link is a good find, will check that out and pass it on. I am starting a listing/social web site for vehicles and have been trying to do some research into insurance info for our community. Check it out if you want... www.utlimateautoportal.com let us know what you think. Take care.

Azuka Onyenso said...

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Buy Junk Cars said...

Check of an alternatives too like selling your junk cars for cash.

Kristanna2010 said...

I have read a lot of articles but you are the best. It's a great way to auto insurance quotes. I feel happy to being here. Your concepts are really good.

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Tina said...

This posted has been helpful in my search for health ins California . Since I moved to this area it’s been tricky finding out good resources to go on. Thanks for the helpful post.

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Amazing ! It is really good way of finding good Auto insurance quote. I am more than happy after knowing about it.

Unknown said...

I really like following your blog as the articles are so simple to read and follow. Excellent. Please keep up the good work. Thanks.

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Anonymous said...

I live in a state where I can elect either no-fault coverage or traditional tort coverage. Which one should I choose?

Steve P. said...

"Times are tough and now more than ever you need to ensure that the money you spend is really worth it." - Well said. It is too true that we all need to be very cautious of what we spend our money on.

This is great info, but recently I found the easiest way to get reliable car insurance. I used The Buzz Insurance and I am so pleased with my choice. Everything was so simple.

Thanks for the info. Hope all is well.

Steve Cooper said...

Its good things, keep share
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Jessica said...

This is such a great blogspot. There is a lot of useful information, thank you. I am glad that you care enough to share your tips on how to help people save money, especially when it comes to car insurance. Living in Alberta, car insurance is ok, but I am always looking for ways to save some money. Thanks again.

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Free Online Insurance Quotes said...

Really interesting article! I appreciate your new idea. Thanks for sharing with us.

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Wheel Alignment Equipment said...

Comprehensive car insurance protects your car from any man made or natural calamities like terrorist attacks, theft, riots, earth quake, cyclone, hurricane etc in addition to third party’s claims/damages.

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Others include benefits ranging from limited reimbursement for transportation if you can't reach your destination because of a crash to paying for windshield repair. These items are included with most car insurance policies.

Keelytm said...

These are some really great tips for finagling a lower auto insurance rate. I knew my credit score was important, but I definitely never thought that there might be mistakes on it. It's definitely something I am going to have to start watching. I also liked the tip about asking for discounts. Do you just say, "Hey, do you have any discounts for me?" or do you have to ask for them by name. I would think the second way would be most effective, but how do you find out what discounts they even offer?

Unknown said...

You say that credit score is extremely important in determining your auto insurance premiums. What you don't realize is that there are many insurance companies out that that do not use credit score when determining your rates.

- Drew from http://www.newyorkmotorinsurance.com/

Junk Car said...

One key to get low rates is to always tell the insurance company that you drive LESS than 5 miles to and from work and LESS than 7500 miles per year...

Auto Insurance Quotes Arizona said...

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