How to Find the Best Auto Insurance Rate With the Best Company
Most of us are looking for the best auto insurance rates with a top rated insurance company. But how do you find it without spending half your life visiting insurance offices or talking to agents. Here’s a quick and easy way …
How do I get the best auto insurance rate?
As a former insurance agent I get asked this question all the time, and each time my answer is the same: “Shop and compare.”
The only way to know if you’re getting the best car insurance rate for your particular situation is to comparison shop, and the best way to do that is to fire up your computer and shop online.
There are a number of sites where you can get auto insurance rates from A-rated companies, and it only takes a couple of minutes to get multiple quotes from a number of top companies so you can compare rates. (See links below.)
When you go to one of those sites you’ll be asked a series of questions in order to tailor the quotes to your particular situation. Some things you want to consider in order to get the best auto insurance rate are:
* Dropping your collision and comprehensive coverage – If you have a older car that’s not worth a lot, you may want to drop your collision and comprehensive coverage. A good rule of thumb is if your annual premium for your collision and comprehensive insurance exceeds 10% of your car’s value, consider dropping them.
* Raising your deductible – If you make a lot of small insurance claims, your insurance company may cancel your insurance. So raising your deductible by a couple of hundred dollars will not only save you hundreds of dollars a year on your insurance premium, it may also save you from having your insurance canceled.
* Adding security devices – Insurance companies will give you discounts for installing anti-theft devices and auto alarms. Installing these devices not only saves you money, it will give you peace of mind knowing that your car is less likely to be stolen.
How do I know the company I pick is a good company?
Insurance companies are rated by various independent organizations like A.M. Best, Standard and Poor’s, and Moodys. Unfortunately you have to subscribe to their service to get their information, and they only rate companies primarily on financial criteria and not customer experience.
If you want to get the inside scoop to find out which companies have the best service and pay insurance claims the quickest, surf over to epinions.com. Here you’ll get consumer ratings and reviews from actual customers who’ve used a company’s services. Believe me, it can be a real eye opener.
Visit http://www.LowerRateQuotes.com or click on the following link to get the best auto insurance rates with A-rated companies, and see how much you can save. You can get more car insurance tips by checking out their “Articles” section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to find the best auto insurance rates.
About Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to find the best auto insurance rates.
Tags: auto, auto insurance rates, car insurance, insurance rates
Auto Insurance | admin December 10, 2009
By c_hulk3, November 14, 2009 @ 5:36 am
The best thing for you to do is get a online insurance quote. Go to http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html
This will compare all insurance companies in your area and give you the best rates. Be sure to state whether or not you have taken drivers ed, as this will reduce your rate
By Belly, November 14, 2009 @ 6:28 am
Call AIS or a broker that handles several companies. They can get you he lowest rates around.
By shhweetP, November 14, 2009 @ 6:29 am
Every company has accident forgivness Allstate jsut has a clever marketing campaign. If you have speeding tickets it does depend on your age and what you drive. If your a younger person your gonna find it hard to find a good rate anywhere. If you over 25 you can try pretty much anywhere if all you have is a few speeding tickets.
Good luck in your search
By paul_richter@sbcglobal.net, November 14, 2009 @ 6:32 am
check into Allstate for a combo coverage but check with someone LIVE and local
By Thomas V, November 14, 2009 @ 11:32 pm
They don't know if you are employed or not.
It's not based on employment – it's based on credit score. Likely, that other person also stopped paying bills.
By franca, November 15, 2009 @ 12:34 pm
There is no ONE company that fits everyone's needs.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
By nora, November 16, 2009 @ 8:20 am
USAA.
By Autumn, November 16, 2009 @ 9:46 pm
You will regret not taking the time to look at online quotes and call the local companies! What is good and cheap for other people may not be the cheapest for you. Their situations, records, credit, etc is different than yours. Also, as for switching to a company like Geico or Progressive – call some local body shops, tell them you are shopping for insurance and want their knowledge – I guarantee most of them will say that they would rather deal with SF than with Geico or Progressive.
With today's economy, of course you have to save as much as you can – but, please make sure you feel comfortable with the new company you go to and that they gave you an apples for apples quote for your coverage with State Farm.
Good luck – please shop yourself, don't listen to the people on here.
By Shelly, November 17, 2009 @ 9:29 am
Try Progressive.
My sister and I got in seperate accidents within two weeks of each other, her damage over 1000 and I totalled my car. (we are on the same insurance) Progressive never raised our rates, and they didn't drop us.
Awesome service! Check them out!