Free Car Insurance Quotes – 6 Ways to Slash Your Premium

When was the last time you compared free car insurance quotes? More than a year? More than two? According to the National Association of Insurance Commissioner (NAIC), only 20 to 35 percent of us compare car insurance rates every year. If you are part of the group, there is a possibility that you pay more for car insurance than you need. Maybe more!

But before you call and start calling an insurance company, take time to review a number of steps that can help reduce your insurance premium. Not all of these steps will apply to each individual, but there must be several items on the list that can significantly reduce your car insurance costs.

1. Make sure you tell the insurance company about the latest changes to your vehicle that can affect your insurance level. For example, have you installed an anti-theft device?

2. Think about any changes in your lifestyle that will affect your driving habits. Do you leave work to work from home? Reduction in mile drive can have a significant impact on your car insurance quote.

3. Check your budget and decide whether you can pay for all your car insurance premiums in advance. Although it can easily pay monthly or quarterly installments, insurance companies usually add administrative or financial fees to your premiums. When you compare car insurance quotes, ask each provider if they offer discounts for full paying customers in the first ten days of the policy.

4. If you have teenage drivers in your household, wait until they have a full license before adding it to your car insurance policy. Most insurance companies will extend coverage to teenagers with study permits without including them as drivers in your policy.

5. Ask about good driver car insurance. This type of policy requires placing a small tracking device in your vehicle – and then checking speed, acceleration and braking patterns. The result can be a lower premium for safe driving habits.

6. Ask about insurance pay-as-you-go or with-miles. Although not offered by every insurance company, this type of policy is becoming increasingly popular in certain countries. Programs like this reduce the premium for car owners who drive less miles, thus reducing traffic, pollution, and the risk of car accidents. According to a recent study, nearly two-thirds of households will pay less for car insurance based on this type of plan, resulting in an average savings of $ 270 per car per year.

Car Insurance Quotes – 5 Steps to the Best Quotes

Car insurance quotes have become quite popular. Everywhere you look – someone is telling you how much money you’ll save – enticing you to look up their car insurance quotes. Before leaping into the murky pool of car insurance quotes – take a look at these five steps that will surely help you get the best quotes.

1) There are many car insurance companies that will gladly compete for your business. Obtain car insurance quotes from at least five car insurance companies. After all, most people shop around before making a major purchase – it only makes sense to shop around when looking for car insurance quotes.

2) When filling out the necessary information to obtain car insurance quotes – be certain the information you submit is accurate. Car insurance companies tend to find out “things” anyway, so you might as well be as accurate as possible. Car insurance quotes are only as good as the information upon which they were calculated. It’s important that the information you use to obtain your quote is the same information the car insurance company will use when writing your policy.

3) Obtaining car insurance quotes will usually require that you submit information such that a “salesperson” will be contacting you sometime after you receive the quotes. It’s important that you don’t let this person talk you into purchasing a car insurance policy until you have received car insurance quotes from all of the insurance companies you’re researching. You don’t need to be rude – but simply inform the “salesperson” that your research is not yet completed and you won’t be making a decision today.

4) When you have received all the car insurance quotes – narrow the list down to the two best quotes. Do some research on those two car insurance companies. Focus on the aspects of service which are most important to you.

5) Most importantly, make sure you are the person in charge of the car insurance quotes. More specifically, take all the necessary steps to insure that you will truly receive those rates that were quoted. In other words, don’t let a car insurance company offer you attractive car insurance quotes – then tell you later that because of “this or that” you will need to pay more. Remember, you are the customer – you’re in control and there are many other car insurance companies that will always be interested in your business.

Online Car Insurance Quotes

auto insurance free quotes New Car insurance quotes online – Auto insurance quotes – View Rates

Houses are the most expensive investments that a person can make, but it has been said that the next most expensive investment is be a car. These pieces of property are so valuable and expensive that people opt to enroll them in insurance plans.

Shopping for car insurance can take some time. After all, you want to have the best insurance for you and your vehicle. It is a good thing that there are online car insurance quotes to assist people shopping for car insurance.

What Are Online Car Insurance Quotes?

The estimated amount that a person has to pay for an insurance plan for his or her car is a car insurance quote. Those car insurance quotes services that are offered on the Internet are called online car insurance quotes.

Online car insurance quotes give people an approximation of how much they might need to pay for the insurance premium on a given car. The online car insurance quote is actually based on information that the vehicle owner provides. The service or the website itself does the computations.

How Do You Obtain the Best Possible Rate for Your Car Insurance?

Car insurance can be pretty expensive. However, if your car is well equipped with safety features and works well, you may be given a much lower rate. When you access online car insurance quotes websites, you are asked to provide information like the vehicle identification number of your car, your driver’s license number, insurance policies that the car already has, and how much or how often you use your car. This detailed information can provide discounts that you might see on your online car insurance quote.

Car Insurance Quote

vector illustration of an accident of a two cars

Are you looking for car insurance quotes? There are some things you could do to make sure you have the best quotes for your car. Such things include checking quotes from different companies to make sure you have the most competitive car insurance quote.

Car insurance can get pretty expensive ranging from hundreds to thousands of dollars. At times, you may discover that the insurance deal you had wasn’t the best you could have gotten because you did not do proper research before settling for the insurance company to insure your car. To this end, I will share with you some tips that could help you get the best deal for car insurance.

Driving History.

If you are a good driver, with a clean slate when it comes to driving history, there is likelihood you will have lower insurance quotes. No insurance company wants to insure a car that holds a high probability of involving in any form of accident in the next few months. However, if your history reveals a good history of driving, probably you never even got involved before in an accident, insurance companies will reward you by giving you low quotes.

The Type of Car You are Insuring.

Some cars will attract higher quotes than others. It is therefore necessary that you do a research for the insurance quotes that apply for a range of cars that you have in mind if you do not already have one. Insurance quotes will be higher for cars that are more expensive and lower for cars with low prices. If you do not have too much money to spend on insurance, then it is better you get a car that attract low insurance quotes.

Discount.

If you have other properties insured in some particular insurance company, such a company will give you a discount on your auto insurance to compensate your patronage. If you intend getting car insurance, then you should also consider insuring your yacht, house and maybe even your life. By the time you need your car insurance quote; there will definitely be a discount on the quote you are offered by the insurance company.

Doing researches to find competitive prices may be hectic when you consider how much work is involved in locating all the insurance companies in your area. However, there are websites that are there to help you do all these. All you need do is input your zip code and you will get quotes for different insurance companies.