Tips on Finding the Best Deal on Auto Insurance

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Car insurance shopping is not just for new car owners, but also for those, who already have insurance policies. Even when you already have auto insurance, you can check for new insurance providers who offer the same coverage at a cheaper cost.

If you are in search of a policy that will cover your automobile repair expenses, medical expenses, and other related costs, then you should follow these steps –

  1. Visit web portals often

You should check out different insurance companies every year. While your own insurance company may introduce new offers you can avail, you might even find a competitive insurer that offers similar coverage at unbelievable prices. You might want to switch insurers, or you can change the type of coverage. For example – you want to go on a pay-per-mile plan that will cost you less, but give you excellent coverage.

  1. Check multiple websites

Checking only the company website is not enough, you should check third-party sites that post comparative lists of different policies and auto insurance quotes from different vendors. Some websites list between 15 and 40 insurers per state. Check sites that are reliable and current.

  • Increase the deductible

Irrespective of the different policy types, you should think about raising the deductible to reduce the monthly premium. The average driver or owner files a collision or comprehensive claim only once every 5 to 10 years. Therefore, agreeing to pay a higher deductible might benefit you in the long run since it reduces the monthly premiums you pay to your insurer.

  1. Check insurer ratings and reviews

Some insurers advertise low rates, but they include the processing fee and other overheads while calculating the final payable. Some offer coverage at low prices but do not deliver what they promise. Shopping for insurance can be tricky, so you need to be sure that you are looking in the right place. Check sites that post honest reviews and ratings of insurers and their products.

  1. Get a look at the factors that affect insurance rates

Whether it is your old DUI record or the theft-prone area you stay in, several factors can ride up the prices of auto insurance. Getting cheap car insurance can be difficult for anyone with low or average credit rates. Unless you are a resident of California, Hawaii or Massachusetts, your FICO score and outstanding loans will influence your insurance rate.

  1. Check for discounts online

Sometimes, checking if you are eligible for discounts can save you hundreds of dollars every year. Veterans, military personnel, good drivers, drivers with a certification from defensive driving courses or driver’s education schools, owners of multiple vehicles, family members approaching the same insurer, owner of bundled insurance policies and active or retired federal employees can get lucrative discounts from their existing or new car insurance policy provider.

Cost is undoubtedly crucial while shopping for automobile insurance, but you cannot choose a policy solely depending on its price. You need to consider every aspect of the coverage and the service quality of the insurer before you make your final decision.

About Author

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LaDonna Dennis

LaDonna Dennis is the founder and creator of Mom Blog Society. She wears many hats. She is a Homemaker*Blogger*Crafter*Reader*Pinner*Friend*Animal Lover* Former writer of Frost Illustrated and, Cancer...SURVIVOR! LaDonna is happily married to the love of her life, the mother of 3 grown children and "Grams" to 3 grandchildren. She adores animals and has four furbabies: Makia ( a German Shepherd, whose mission in life is to be her attached to her hip) and Hachie, (an OCD Alaskan Malamute, and Akia (An Alaskan Malamute) who is just sweet as can be. And Sassy, a four-month-old German Shepherd who has quickly stolen her heart and become the most precious fur baby of all times. Aside from the humans in her life, LaDonna's fur babies are her world.

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Skyler WilliamsFaylinnMia StewartDerek McDoogleBrooklyn Johnson Recent comment authors
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Rosie Beckett
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I need to find auto insurance because I am planning to buy a car in a few weeks. You make a great point that I should look at the reviews of different insurers. This way I can make sure they treat their customers well and will be easy to work with.

Taylor Bishop
Guest

I wanted to thank you for this advice for finding auto insurance. It’s good to know that you should try to increase the deductible so you can reduce your monthly premium. This sounds very helpful especially if having a lower premium fits your budget better.

Adrian Jones
Guest

It’s great you talked about getting discounts when looking for auto insurance since there are several categories to consider in order to become eligible for a lower price rate. Some of the groups that get discounts are veterans, as well as currently active military personnel along with owners of multiple vehicles, to give a few examples. If I were

Penelope Smith
Guest

I want to get my first car this summer and I will also need to get auto insurance as well. It is good to know that I should think about checking multiple places for discounts and ratings. That does seem like it would help me be really well informed.

Arianna Jones
Guest

It’s a good thing you talked about what to look for when you want to get the best deal looking for car insurance–and one of these is to check the insurer’s website for reviews as well as ratings from current and previous customers. The reason for this is that you would want to find one that would be right within your budget but at the same time ha

Katie Wilson
Guest

Thanks for these tips on how to find a good auto insurance service. It would make sense to find someone who is qualified and experienced, as you suggest. My husband and I are looking for an insurance service, so we’ll have to check their qualifications first.

David Johnson
Guest

I love how you point out that insurance shopping is for those who already have car insurance as well as those who are new. This way I think that you would be able to offer good options to first time buyers. I’ll have to look more into auto insurance.

Camille Devaux
Guest

Checking for discounts is a great idea. Making sure that you are getting a discount if you are a veteran sounds like a wonderful idea. My uncle might like knowing that this as he looks for an auto insurance quote.

Marcus
Guest

I loved when you mentioned how you should choose an insurer that is current. I can see that doing this can help you find the coverage you need that is up with any requirements in your area. We need to find a good insurance company that can cover our new Mazda, so I wanted to learn more about how to choose the best coverage.

Shayla Cademis
Guest

I never knew that the average driver only files for a collision/comprehensive claim once every five to ten years and that it is, therefore, a good idea to raise a deductible! I’m about to invest in my first car, so I’ve been a little worried about paying for my own insurance. Reading your suggestion to ask for a higher deductible to lower the month

Brooklyn Johnson
Guest

I like how you stated that when looking for auto insurance you should visit web portals often. My husband and I are getting our first car and need insurance. I will definitely keep all of your great tips and information in mind when looking for auto insurance.

Derek McDoogle
Guest

I never took into account the fact that by raising the deductible you could reduce the monthly premium. My son wants to buy a car to commute to work but he hasn’t looked at car insurance options yet. I will definitely share this article with him so he learns more about what he needs to get the right car insurance for his future car.

Katie Wilson
Guest

Thanks for these tips on how to find the right insurance. I agree that you want to check their past websites first. My husband and I are looking for insurance, so we’ll have to check their qualifications first.

Mia Stewart
Guest

Thank you for explaining how to find the best deal on auto insurance. We are needing to get new auto insurance soon. We will keep these tips in mind while we search.

Faylinn
Guest

I think it is so important that you mentioned that you should check sites that have honest reviews. My husband and I just got married and are looking to insure the new car we bought together. We will need to look online and follow these tips to find a professional service to help us out.

Skyler Williams
Guest

I have never heard that I should increase the deductible to decrease monthly premiums being paid. I am looking to change auto insurers, so I am looking to find the best deals. I will make sure to keep this information in mind as I search for the right auto insurance company.

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