Is it possible to find affordable car insurance quotes online? Let me put it this way, you don’t know until you try! With almost anything you spend your money on, it is worth shopping around. This price comparison process is good when you first sign up with car insurance and as routine pocketbook maintenance.
With the invention of the Web came an easy place to price shop for almost any product or service. Finding affordable car insurance quotes online is no exception. The process makes it incredibly easy to compare prices for the exact same services. Every major car insurance company offers this service for free and there are a few other sites that will summarize the comparisons for you at one stop. CarInsurance.com is one example, but you can do a Google search and find a few more. Do be careful about any information you provide to a random website though. For a car insurance online quote, they shouldn’t need your social security number or credit card! Use common sense when applying for affordable car insurance quotes online.
For the best overall rates, I recommend a multi step process. Start first by searching for a variety of affordable car insurance quotes online. Once you have at least 2 or 3 of the lowest quotes from reputable companies, take that information to the phone. Trust me; you can always get further when you talk directly to a local representative. Call them, tell them you received a quote on line and ask if it is the best they can do. Be sure to have a pen and paper handy. Not only do I want you to write down their best quote, but also the deductibles, services and exact coverage amounts. You want to make sure and compare apples to apples. If the lowest quote requires you to have a $5000 deductible, it may not be worth beans!
Okay, so now you should have at least 2 to 3 online quotes as well as phone quotes from a variety of insurance companies. The next step is to go to your current company, the one who knows you, and ask them if they can beat the lowest quote from the competition. This will give you at least one more price comparison.
Then, sit down with your notebook and compare. You want to find the best quote with the best coverage. Don’t always go for the cheapest rate, if it doesn’t meet your insurance needs. Also, don’t over insure either! Consider the cost of your vehicle and your current assets. Additionally, remember that usually it is medical bills that are the largest expenses in a car accident. Make sure your insurance adequately covers your liability with the best possible rate.
For more great insurance information, check out our Families.com Insurance Blog.
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