Who Has the Best Auto Insurance Rates

Want to know who has the best auto insurance rates? It should be as simple as making a few phone calls, right? Wrong, and that way of thinking could leave you paying a lot more than you should. However, there are a few tips and tricks to help you find the right insurance company with minimal effort and I’ll show you how it’s done.

Why shouldn’t you just call a few local agents to find the best rate? Because it might costs you more than you think. There are two big problems with buying insurance this way. The first is that you are dealing with a commission driven insurance agent. It’s not the typical commission structure that you might be use to when dealing with a normal salesman, it’s actually worse. Many agents are paid by how much they can up sell you on policies you may not need. Forget the normal salesman trying to sell the loaded BMW when all you want is a Chevy, these guys want you to buy car with a houseboat attached to the back. The bigger your policy, the more they make and like most sale people, they probably have dollar signs in their eyes as soon as you walk through the door.

The second issue is that you might be missing out on an insurance company that isn’t locally listed. Even if all of your phone number searches are done on the internet, a search for “car insurance Town A, Your State, USA” might not turn up results for the agent that is located in Town B, Your State, USA. So even if you find the “best deal in town” it might not be the best deal at all. Also keep in mind that local businesses often form an agreement with each other not to sell below a certain dollar value. So, they could potentially be gouging you without you even knowing it.

So how do you find out who has the best auto insurance rates? Well, the internet is loaded with companies that will compile a list of insurance companies that serve your state. Many times these list are organized by rate and incredibly easy to use. One example for me was after Tropical Storm “Faye” this past summer. My car was totaled by water damage and after my former insurance company paid for my car, they dropped me. While searching locally, I found that most of the rates for my car were about 10-15% higher then through the compiling website.

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Find out for yourself by clicking here (you’ll be taken to my website and automatically redirected to the insurance site.) Check out the rates on that site and then call around town. I’d bet the ranch that you’ll save money through the website. There are multiple sites like this available, but this happens to be my favorite.

Another advantage to these sites is that they include customer ratings and feedback for each insurance company. I like to know what other consumers think before I buy, especially when I’m hunting for a bargain. Being the absolute best price doesn’t mean much if Company X takes 4 months to handle their claims or has a reputation for not paying out what they should.

So what’s answer to who has the best auto insurance rates? Do a search and find out for yourself. You’ll be surprised on just how much you save.

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categories Auto Insurance | admin December 3, 2009

12 Comments to “Who Has the Best Auto Insurance Rates”

  1. By SoccerPanda, November 14, 2009 @ 5:50 am

    i don’t know that one =
    TITANN AUTOO !

  2. By LeBronOvaKobe, November 14, 2009 @ 5:51 am

    wats the songs name..

  3. By John E, November 14, 2009 @ 7:07 am

    For auto insurance the fastest way to get a low quote is do a auto policy comparison. Be sure to choose the same coverage amounts, you can get an quick quote to compare against others. Use the same zipcode, car make/model, mileage and driving history to ensure you get an apples to apples comparison. To get mulitple auto insurance quotes, go to http://www.easyautoinsuranceguide.com/Washington-Car-Insurance.html and you can compare all the major auto insurance companies.

  4. By shhweetP, November 14, 2009 @ 7:15 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

  5. By ajc11183, November 14, 2009 @ 8:14 am

    these are companies you have to qualify for but if you do they have good rates and they are GREAT companies. See if they write in your area. Erie Insurance, State Auto, Liberty Mutual. I would not hesitate to place a client with any of them.

  6. By don g, November 14, 2009 @ 2:13 pm

    The rates you pay will depend on your specific answers to the application questions used to determine your rate for auto insurance.

    To find the lowest rates you may want to compare free quotes from the leading auto insurers online before deciding on a company to buy from.

    InsureMe offers free auto insurance quotes. They have helped millions of consumers shop for insurance online since 1993.

    You just answer their quick and easy quote request form at http://www.insureme.com/landing.aspx?Refby=613596&Type=auto to compare the five lowest auto insurance quotes from top-rated insurers nationwide.

    I hope that helps! Best of luck to you finding the cheapest auto insurance rates in the bay area – california.

  7. By Michelle, November 15, 2009 @ 1:09 am

    There's a good chance that you'll be paying more. Good thing is that you'll be on that policy to negate his surcharges (meaning your discounts will at least lower the effects of his surcharges) and you'll be getting a married discount. Also if either of you are under 25, you both automatically start getting the rates for people over that age. There's a good chance that you won't be paying TOO much more, but the best thing to do is just check.

    You don't want to do anything daft like.. exclude him. That would mean that if he had to use the vehicles, he'd be doing so illegally and wouldn't be covered to drive those vehicles at all.

  8. By RnBSoulStarJKP, November 15, 2009 @ 12:22 pm

    THAS A BALLLLLLL

  9. By adopted, November 16, 2009 @ 9:52 am

    It is a difference as you were in control of the vehicle. Being on the roadway makes it a not at fault accident. In the parking lot, it is just a hit and run. It would be like whether or not you were parked at your house or driving down the road. Either way, you rates should not go up at all. It was a not at fault accident that you would couldn't control. If your rates do go up, I suggest finding a company that will not raise your rates if you have an accident that is not your fault.

  10. By Jesus V, November 16, 2009 @ 1:11 pm

    I recommend you locate a local car insurance agent to help. Since I live in Kentucky I can't suggest an agent in Florida, but here is an website that can help you. http://www.easyautoinsuranceguide.com/Florida-Car-Insurance.html

    Good Luck!

  11. By Betty B, November 16, 2009 @ 6:13 pm

    Insurance companies are trying to control their bottom line a little better due to the downturn of the stock market and the loss of investment income.

    They are now "tightening their belts" and actually UNDERWRITING new applications in an attempt to make money based on UNDERWRITING profits – and not just CASH FLOW investments.

    I don't see it affecting actual rates for the immediate future, it just might affect what a company WILL insure and what they WON'T.

    Good luck and I hope this helps!

  12. By c_hulk3, November 17, 2009 @ 2:35 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