How To Get Inexpensive Auto Insurance
Getting inexpensive auto insurance is as vital as getting your home insurance. You must be in the loop and in the know how, you can maximize your hard earned money.
Put yourself in the shoes of an insurance agent. If you were an auto insurance sales agent what would you offer your client and what would you like to get from your client? Let’s face it; this job is used to make someone their living. Getting several insurance quotes from several insurance companies and insurance agents will give a bird’s eye view of the best inexpensive auto insurance quote. Because they all may be inexpensive when you take your first glance. Take time to read and study each of them. Get a pen and paper and if possible make a simple chart comparing each factor so you will see them at a glance. Compare the following on your table: Discounts, deductibles, other parts of the policy they are offering. Review their policy and take a look at the things that you do not need from them and are paying for them. Like children, if you have children who are in college and are several states away no need to pay for them. When they come to visit let them take another means of transportation other than driving the car.
Discounts, they a look at what they can offer you like promotions or discounts. Like non-smokers, non- alcoholic drinkers’ discounts, take advantage of them. The goal is to find that most inexpensive auto insurance quote.
Raise your deductibles this will save you up to 50%. For example from $250 to $500 that save you 30% on your yearly premium. But you must be certain that you will be able to pay your deductible when the time comes that you need to make a claim. But how many times do you make a claim compared to as often as you pay your premium rate?
Know thyself and your car. How old is your car? What is the value of your car? Is the value of your car less than what you are paying on your premium rate just to insure a car with a value thousands less than what you are going to pay? This is the time to look at the collision coverage and conclude if you need to lower your collision coverage.
Know the insurance company you are going to be partnering with. Avoid fly-by-night insurance companies. Deal only with A-rated companies. They maybe Goliaths and you must be thinking they will not even take their precious time to look at your account. Remember that the industry is very competitive and they will compete for every business big or small.