Friday, 7 June 2013

How To Get Cheaper Car Insurance!!

How to Get Cheaper Car Insurance


Insurance is an unavoidable expense if you own a car, but there are a number of ways to significantly reduce your insurance premium. The most obvious way to reduce the cost of your insurance policy is to shop around. However, it’s important to bear in mind that not all insurance agents or companies are created equal. You don’t want to simply find who will give you the cheapest rate and switch your insurance policy. Switching companies might not necessarily be in your best interest. It’s more about educating yourself about how insurance works and how you can use that knowledge to your advantage.

The best way to ensure that you not only receive the best insurance rates today, but continue to get a good deal over the long-term, is to develop a strong relationship with an insurance agent you can trust. If you haven’t heard from your agent since the day you signed up for your policy, there is a good chance you are not getting the best possible deal—simply because an agent who is not up to date on your life situation cannot advise you effectively. The goal of comparison shopping should not simply be to find a cheap auto insurance quote, but to find a great agent who can tell you about other discounts and help you find other ways to save money.

The best way to shop different insurance agents is to ask for a referral. Call someone that you trust, and ask them for the name of their insurance agent. Ask if they are happy doing business with this agent. Once you find two or three agents who come with a good recommendation, call their offices and ask for a review of your insurance policies. Most insurance agents are happy to provide this service at no charge. This is the fastest and easiest way to educate yourself about the different ways to reduce your insurance cost, and it will give you an opportunity to see how each agent works.

Generally speaking, you can save the most money on car insurance by consolidating all of your policies under a single company. If you have multiple cars in your household, and they are insured by different companies, ask about multi-vehicle or multi-line discounts. Nearly every insurance company offers incentives for insuring every car in your household. In addition, you may be able to save money by consolidating your other types of insurance. For example, if you own a home, you may be able to secure additional discounts by buying your homeowner’s insurance and your auto insurance from the same agent.

If you develop a solid working relationship with a good insurance agent, they will be able to tell you numerous other ways to save money based on your individual situation. For example, you might get a discount for belonging to a local club. You might be able to save money by raising the deductible on your collision policy, or by paying your premiums six months ahead. This only scratches the surface; there are always plenty of ways to cut costs. That’s why it’s important to pick one insurance agent who is professional and whom you know will be around for the long haul.


This article was written by Andrew Dean of National Transport, LLC, a leader in the US car shipping industry. You can view additional articles at their blog, or you can become a fan of their Facebook page to keep up with the latest transportation/travel news from around the country.

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