Tips To Find Lower Cost Car Insurance

May 16, 2008

by Steve Johnson

The cost of owning a car is rising every year, but you could find some savings in a lower cost car insurance quote. The quote is the first step to getting a better car insurance package. Here are some quick tips to lower car insurance quotes.

Shop around with many different insurance vendors. Stay away from renewing your current package or signing up with the first vendor you talk to and contact as many agents as possible.

Of course, you don’t want to just take the cheapest price, either: you want to make sure you’re buying from a reputable source. Try getting a referral from a friend or co-worker, and if you can’t get that, search the Internet or local business bureau to be sure you’re not buying from a shady seller. Be especially careful with any \”Free Car Insurance Quotes\” ads that you see: there may be terms and conditions you don’t agree with.

Getting organized can also help you in your quest, and you should start by writing down all your core info onto a single piece of paper. This helps you make sure you give all the vendors the same information on which to base their quote. You should write down the year, make, model of your car, the name of your city and borough, and any special info on your own driving record or history. It’s also a good idea to write down any accidents you may have had in the last decade, since that can affect your rate.

It’s important to actually write all this down, too, even if you think you know it in your head. This way you won’t forget to mention one or two items to each supplier, giving them all different information to quote from. Having notes that you can check off while on the phone (or while visiting) is the best way to give them all the same facts. By doing that, they’ll all be quoting on the same data, which will give you the most accurate quotes to compare.

Also, make sure to ask each insurance agent if there are special promotions or discounts available. There may be a special rate available if, for example, you drive only on weekdays and park it on weekends. Consider your driving pattern and be sure to ask if there are any possible discounts for your situation.

If you are a member of a roadside assistance club, you should not need insurance coverage for towing service, which means you could omit that coverage and save money. Consider other optional items such as glass breakage or collision damage coverage. You might not need all the options if you have other coverage, or the cost of paying for repairs may be lower than the cost of the insurance and deductible.

Another tip that many people forget when shopping around: get it in writing! The worst thing that could happen is to decide on one supplier who promised you a cheap car insurance quote, only to see that the price changes when it’s time to sign the dotted line. While you’re looking at that dotted line, also read the tiny fine print to be sure there are not different conditions and clauses that turn similar quotes into very different agreements. You can collect competing quote information on the phone, but when it’s time to make a choice, be sure you’re comparing written quote to written quote.

These are just a few Tips on getting Cheap Car Insurance that could help you save money on your next insurance quote, and you can use that extra money to cover rising fuel costs, or spend it on food, clothing or shelter in today’s economic hard times.

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Get your free car insurance tips and advice on how to get Cheap Car Insurance. Auto Insurance Los Angeles Cheap Auto Insurance guide will provide you the best advice on how to get the cheapest car insurance.

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