Monday, May 23, 2011

Sure Ways To Get Cheaper Car Insurance Rates

12:47 AM |

trying to save money every month? Most people I know are making a real effort to be?more frugal. Instead of just trying to save a few pennies here and there, you may be able to save hundreds of dollars if you can find cheaper car insurance rates for yourself, and you can save more if you must cover a whole family of drivers!

Compare Auto Insurance Rates To Save

Some people think that all insurers are alike. But this is not really true. Each company has its own way of calculating premiums, underwriting policies, and handing out discounts. You cannot just shop for the one company with the cheapest insurance. You need to find the top insurer with the best deal for you.

It used to be?very complicated and time consuming?to try to shop around for auto policies. But internet quote forms can make this job much easier. You can find competitive car insurance quote forms that will allow you to compare multiple insurers from your own office or home PC.

Many people have saved hundreds of dollars a year on their premiums just be shopping around for a better deal. The forms usually only take a few minutes to complete. They are free, and there is no obligation for you to buy if you do not find a better deal. But in my opinion, it is worth a few minutes for the chance of saving hundreds of dollars.

Find Car Insurance Discounts

Since most people are not insurance professionals, they are not even aware of all of the discounts they may qualify for. And since different insurers offer different discounts, your old company may not have the right ones to offer you.

For example, some discount auto insurance companies do not offer home insurance. But an auto and home insurance discount is one of the most popular ways to cut your entire bill. Other examples of discounts may be for safety features, anti-theft devices, and for being a low mileage driver.

If you would like to find out which discounts can help you save money, finding a good insurance?agent can really help. This is another example of how online quote forms can help you. In addition to giving you competitive quotes, they can also give you the contact information for local agents who are eager to help you in order to gain your business.

Your old agent may not be that motivated to call his customers to review their policies and make sure they get all of their discounts. But a new agent who wants more business will want to help you save money. That way, he or she can earn your business, and you may even refer your friends.

Consider A Higher Deductible

If the premiums are still too high, you may think about raising your deductible. The drawback to this is that you will have to pay that deductible amount if you need to make a claim. On the other hand, you could save 15 to 30 percent by raising a $200 deductible to $500. You can probably save that three hundred dollars difference in a few months of enjoying lower premiums.

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