We all want to save money on car insurance. Indeed, all insurance can get somewhat expensive and irksome. As a result, it is important to shop around. One of the ways you can do that is to look online for car insurance quotes.
Comparison Shopping Online
When looking for car insurance quotes online, it is a good idea to start out at an aggregator. There are insurance quote web sites that can provide you with a general idea of what you are likely to pay. You will have to provide certain information before you see your quotes, however:
- Driver’s license number
- Number of accidents/violations in the last few years
- Coverage amount
- Type of coverage
After entering this information, you will be offered a list of quotes. Or you may be asked for your email address and/or phone number so that insurance agents can contact you with your quote. Many consumers prefer the sites that present the general quotes in a list. If you would prefer not to have someone contact you with a sales pitch, you will need to read the fine print on the quote site to make sure you end up with what you want.
Getting the Best Rate
One of the things you can do is narrow your online car insurance quotes down to three or four of your favorite offers. Make sure that you are comparing policies with similar coverages. You want to be comparing apples to apples. Before you make your move, you might want to offer your current insurance company the chance to compete. Armed with information on the coverages and quotes, call your insurance agent, and ask if there is a way to match the quotes.
If your insurance agent can’t match the quotes, then it might be time to test out the other quotes. Consider the pros and cons of each policy, and make a decision that is likely to work out the best for you. Then you can contact the company you choose, and make arrangements to purchase a policy.
Your Final Car Insurance Premium
One of the things you have to watch out for with car insurance quotes online is that you are getting quotes based on limited information. Before your final premium is set, the company will re-check your information, and decide how risky your neighborhood is. There is a good chance that your credit score will be checked. If you have a poor credit score, you may be subject to higher insurance premiums. Your final premium might be higher than what was quoted to you originally. At that point you will have to decide whether to continue with the coverage. In some cases, you might be better off sticking with your old insurance policy than getting a new policy.
Also, realize that your final car insurance premium will be based on your past driving offenses, how often you drive your car, whether you have multiple vehicles insured or multiple insurance policies with the company, and the neighborhood you live in. If the insurance company views you as a risk, you will be charged a higher premium.