Are you in the market for car insurance? It can be difficult to sift through all your options and find the company that’s right for you. Here are just five tips for finding someone who will watch your back on the road.
1. Compare and Contrast
Shopping for car insurance isn’t a process that should be done in a day. You’ll need to devote some time to it especially if you’re looking for something in particular like insurance for teens. Don’t be afraid to take your time, shop around and find the insurance provider that meets the unique needs of your unique family.
2. Know the Types
Auto insurance comes in a variety of categories. For example, liability coverage will protect your vehicle in the event of an accident, but comprehensive collision coverage might pay for your new tires and your medical bills. It all depends on your insurance company and service package.
3. Stay Local
Find a local agent if you want the best deal on car insurance. The prices quoted on the company website aren’t always the lowest; they represent the averages for the entire country and not your specific state or city. What’s more, a live agent can help you find deals and savings that might not be listed in the company manifesto. It’s always better to have a direct meeting when it comes to financial matters.
4. Cut Your Costs
What if you want that comprehensive collision coverage but can’t currently afford it? There are a number of ways to lower your monthly premiums. For instance, you can usually knock off a few dollars by taking a driver’s education course that verifies you as a safe, responsible driver; you can also save money by improving the security measures on your car and proving to the insurance company that it won’t be easy to steal.
5. Read Reviews and Ratings
Once you’ve found a potential insurance provider, make sure you double-check their references on the web. Don’t rely on testimonials alone! Look for impartial review sites with the opinions and experiences of past customers. Were they satisfied with their coverage? Were they hit with any unexpected fees and surcharges during their contract? If they switched brands, what prompted them to make the change?
These are just five tips for finding and selecting a reputable auto-insurance company. Keep them in mind before you sign on any dotted lines!
Do you have insurance advice to add to the 5 car insurance tips?
People need to shop around! #1 may be the most important point out there.
My recent post The Cost of Fantasy Football: What Should You Spend?
Yes very much agree, and every year shop around. Thanks for the comment.
I agree with the above points. I have seen most people stay with the same insurance company their entire life. This can be costly unless your insurer gives big customer loyalty discounts. To save money, you should shop your rates around occasionally. Doing so can help you lower your premiums.
I went withe Geico after shopping around several auto insurance companies. Saved a ton of money and I'm still getting good coverage too.