Insurance is one of those things that we all need to protect us from the unforeseen. When it comes to obtaining coverage for our vehicles many of tend to find one insurer and stick with them. However, smart consumers know that by being a comparison shopper when it comes to obtaining coverage can significantly reduce their monthly premiums. Many insurers have made being a smart consumer easy by offering the ability to get a free car insurance quote directly through your computer.
One of the largest insurance companies out there that focuses most of its marketing efforts and sales online is Progress Auto Insurance. They are unique in that they not only will give you their rates, but also provide rates from competing companies. Many times they are the lowest, but on occasion other companies can beat their rates and they actually encourage you to use the other guy if they can’t match or beat the competition! Talk about customer service!
Of course, there are hundreds of insurers you could use. Since you probably don’t want to spend days or weeks online or on the phone getting quotes it is best to narrow your selection down to about 10 companies and go from there. Remember, the reputation of the company is as important as the rate you receive - you want an insurance company that will be there for you, not just one that collects the premiums and then disappears into the night when you need to file a claim.
Once you find an insurer with a good rate you might want to do a little background research on them online by seeing what others are saying. How is their customer service? What about claims handling? Do they offer low rates at first and then raise them significantly when it comes time for renewal?
Being a smart consumer means you will be able to find the best deal to meet your insurance needs while making sure you have a reputable company to stand behind you if you are ever involved in an accident.
Marvin Toller is a writer and internet publisher who likes to provide Car Insurance Information. Check out his car insurance news and in depth information website 11-car-insurance.com.
Here are some tips on how to get lower car insurance premiums:
1. Install an alarm, immobilizer and tracker in your car. When the insurance company sees that this car has fewer risks involved from theft, the computation for the insurance premium could be lowered as well.
2. Show the car insurance company that you have passed the advance driver’s test. This will prove to the car insurance company that you are less adverse to an accident.
3. Don’t fool the car insurance agent by exaggerating the value of your car. This will not achieve anything but could serve to annoy the agent and they just might increase your premium. When you claim the insurance money, you will only be paid for the market value of your car at the time you made the claim.
4. Maintain a good credit rating history. Having a good credit rating history means you are responsible enough to pay. This is more specifically for people who will pay their car insurance periodically rather than as a whole.
5. The cheapest kind of insurance is Third Party Only. It is cheap because it will only give minimum coverage. This type of insurance should be considered by people having a car with low value. One thing to remember though about this type of insurance is that when you have an accident, the damage to your vehicle will not be covered for repair.
6. Try to avoid having bad records on your licence as this will increase the insurance premiums.
7. Try not to add some unnecessary drivers when applying for car insurance. I.e., if you have a younger driver that also uses the car, try not to include the younger driver. Including the younger will increase premiums.
8. On the other hand if you are a younger driver, bring an adult. If a younger driver’s insurance is named after an adult the premium will be lowered. The premium for younger drivers are higher because they give a perception that they are still newbie drivers and are higher risks.
By following the above tips, you should be able to make a saving on your car insuarance premiums.
You may freely reprint this article provided the following author’s biography (including the live URL link) remains intact:
About The Author
John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.