Looking for an auto insurance package that’s both reliable and affordable can be a challenge. It seems the packages that offer quality protection are exorbitantly expensive, and the “fairly priced” nothing more than a string of loopholes strung together. Fortunately, there are quite a few different ways to find those excellent quotes.
Let’s take a look at five ways to find great quotes below.
5 Tips for Finding Great Quotes
- Call your insurance provider. Terms and written conditions can change often, and a change in language can often result in a change in your policy. But wait, wouldn’t you be informed of the underwriting change in your policy? According to the New York Times, that’s just not the case with many insurance providers.Citing the case of a man named Thomas Mitchell, the New York Times found that insurance companies do not make a habit out of informing their clients when their policies change. Mr. Mitchell had just retired and was trying to cut expenses. Seeing that he could cut his auto insurance in half with another insurance company, he decided to make the switch. Upon calling his provider to sever ties, he was told his agency could set his monthly premium even lower if he stayed with them. How? Because Mr. Mitchell’s company had just revised its underwriting standards, making it possible for him to qualify for a lower premium. So while Mr. Mitchell was happy about the cut, he was extremely dismayed to find out that he wouldn’t have been able to take advantage of it unless he had called his agent. Learn from the lesson of Mr. Mitchell and be a proactive policy holder. Make it your responsibility to always be up-to-date with yearly changes to your policy.
- Change insurance companies. If your current provider isn’t cutting the muster, don’t be afraid to sever ties and go with another company. This can be hard, but with enough research, recommendations and reviews, you might just find one that does the job without short-changing its clients.
- Shop around. While providers stick to the same basic insurance blueprint, their prices can range dramatically. To get the best deal, you have to do your homework. Sites like CoverHound make it easy to comparison shop for the best auto insurance quotes By showing you the marked differences in cost and policy, you’ll be able to determine which insurance package is right for you.
- Ask about discounts. There are plenty of discounts you could qualify for depending on a range of factors, including your driving record and the type of car you drive. If you’re a student driver for instance, good grades will get you discounted rates. Even taking a safety driving course will nab you lower insurance The more discounts you can tack onto your policy, the better your insurance rate will ultimately be.
- Listen to recommendations. While low rates are great, they’re not all that matters. One way to get a feel for an insurance provider is to research their practices and customer reviews. Check with your state insurance department to find out more about the insurance provider or providers you have in mind.
You don’t have to accept astronomical insurance rates. Always look for ways to get the best car insurance quotes. With enough perseverance and research, you’re sure to find the best deal for you.
photo credit: 1961 Chrysler New Yorker via photopin (license)
Wow, I didn’t know that some car insurance companies can give you discounts according to your driving record. I do have a fairly clean record, so that may be something that I should ask an insurance company. Getting the best rate for my car insurance is the ultimate goal.