We all need car insurance, but we all need it to be affordable. What is affordable? We are all looking for cheap car insurance, but "cheap" is just one factor to consider. Value should be another major factor in the quest to find affordable car insurance. To get the best car insurance value and coverage, you will need to consider several factors. This article will guide you to receiving the best value for your dollar on car insurance with a little secret to doing so.
Your insurance company is not the only insurance company out there. You will have to consider switching to a different insurance carrier by essentially "shopping around" for a better car insurance value from other companies that will give you a rate based on the criteria you provide.
How is your past driving record? The better your driving record is, the more likely you will be able to find a lower car insurance rate. Also remember that different companies will offer you different rates even with the same information provided.
To find auto insurance quotes the easy way, one option is to just go online and search for car insurance. This blog contains several sources for this. If you search the web, many results should come up. Essentially, the more forms you fill out the more insurance quotes you will receive leaving you to make a well-informed decision on which provider you should go with.
The Internet makes it easy and fast to compare several car insurance quotes in a few hours, and it allows you the luxury of comparing them at home. But comparing rates company by company can be very time-consuming and not practicable for many.
There are a few web sites that offer you several car insurance quotes with one form submission. This is the easiest way to get several quotes to compare. One site that I’ve used and suggest is: http://www.primericasecure.com (at the end of this article I've explained how to log in).
Don't think each car insurance quote will be the same, they won't be. Each one will be different, and some will be less than you’re paying on your current policy. For the best car insurance value, make sure to consider what coverage you need and what coverage you currently have. It is a good idea to have your policy in front of you while doing the online quote submission. If you put in different coverage types, you will get different quotes. Obviously, the more coverage you want the more expensive the quote will be. It's a good idea to put in different coverage types and see what happens.
What deductible amount are you looking at? You may want to raise it so you can get a lower car insurance rate. You may also want to lower the deductible or keep it similar to your current coverage.
Your driving record is what insurance companies consider first when quoting you for a new car insurance policy. Next they look at what kind of car you are driving. If you have a Mercedes or BMW your insurance will be more than the guy next door with the Toyota Corolla.
There are many cars that are considered high risks to insure because they are often the target of vandals and thieves. You can find this information here before you go the car insurance site. The age of your car is also taken into consideration.
Know what kind of theft protection and safety equipment your vehicle has. You will have to fill this information in on your insurance quote form. Do you have lo-jack? Etched windows? A car alarm? Anti-lock brakes? Airbags? These things can get you deductions from your insurance company leading to a better car insurance value, so be sure to check it out before you begin to fill out the online form.
Are you an active service person, or a student with good grades? Have you taken a drivers safety course? More deductions are available for you if you meet certain criteria.
Do you commute 50 miles each way to work, or do you drive 2 miles to the train station? Driving less will help you to save more.
How is your credit? Credit ratings are becoming a key factor in all insurance rates as well as your driving record. If you’re late on your payments it could cost you more than credit card fees in the long run, it could also lead to a higher car insurance rate.
All these things are factored in to get you the best quote the insurance company can give you. Before you look online for a lower car insurance quote, make sure you know all the facts you will need to fill out the quote form and submit it.
As I've mentioned above, the best company that I've come across that does the price comparison for you at no charge is a company from Citigroup (Citibank) called Primerica. They are a well respected Financial Services Company that searches over 25 different auto insurance companies for you for FREE. The best part is that it only takes about 10-15 minutes to fill in the form and get your quotes. It sure beats filling out multiple online forms. There is also a phone number to call where you can talk directly to an agent which may be a lot easier and may even give a more accurate quote for many.
The site is http://www.primericasecure.com
To log on, you need the rep pin number and last name since this is how people are referred to this website and company. The pin number is: MHAX8 and the last name is STUTZ.
Alternatively, you can call 1-877-855-8111 and use the same pin number when the agent asks for it. You'll just want to have your basic car information handy (such as your car's VIN, make, model, and license plate number and your current insurance policy if you have one).
I've personally saved an impressive amount on my policy as a result of switching from one company to another. And I even received better coverage. I for one, as well as many others, am not personally attached to my car insurance provider. They are a business like any other insurance company trying to make money. All that matters in my opinion is that they offer the best price with the best coverage and support possible, independent of who it is. I'm confident the site I've listed above will help you in your quest for a better car insurance value.
Best of Luck!
-Trenton
trent0084@gmail.com
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