subject: How Car Insurance Quotes Can Save You Money [print this page] Looking for new quotes for your car insurance can be for any number of different reasons. It may be due to the horrific customer service that your insurance agency is giving you or because it is just time to be searching for cheaper insurance rates.
A cheaper insurance rate is the main reason that people start looking for car insurance quotes. These quotes can save a driver a good deal of money over what they are paying with their current insurance company.
Why Quotes Save You Money
Shopping around for car insurance quotes is no different than shopping around for vacation packages or furniture. You want the best product for your money and are always on the lookout for sales. But, so many people just stay with their insurance company year after year paying the rising premium cost.
By getting new car insurance quotes from other companies you can find out if the other companies out there are selling your same insurance coverage at a less expensive rate. Rates change and discounts are being introduced all the time so there is a very good chance that you are going to save money by shopping around.
When you are shopping around it is also a good time to review the coverages that you currently have on your vehicles. If you have coverages that you really don't need anymore, there is no reason to pay for them and you could save more money by not having them on your new policy.
For example, you may have rental car insurance on your current policy. But, if you have multiple vehicles for your house or you can live without your vehicle while it is being repaired you would save money by stopping that coverage.
How To Start Getting These Quotes
When you are ready to start shopping for car insurance quotes there are a number of things that you need to have in front of you. First and most importantly, you need to have your declarations page from your current insurance policy.
Your declarations page will give you the current coverages, the limits and also the premium that you are paying for each of the coverages you have. Having this in front of you will make sure that you are getting quotes for the identical coverages that you already have. You need to know this so that you are sure if you are really saving any money or not.
Other items that you will also need include: your driver's license, social security numbers for all of the drivers in the household and also the VIN numbers of all your vehicles.
Where To Get Quotes
There are three ways that you can locate new car insurance quotes:
1) Quote Aggregators
2) Insurance Agents
3) Insurance Company's Websites
Quote aggregators are available on websites that provide information about insurance and are independent from any one insurance company. To use a quote aggregator, you simply fill out your information and answer a couple of questions.
Once all of the information is in, the website will provide you with insurance quotes from multiple insurance companies. It is the easiest way to get multiple insurance quotes to look over and it can be done from the comfort of your home.
Insurance agents are the next easiest way to get multiple quotes, as long as you talk to an independent agent. Independent agents sell insurance policies for a number of different companies and will be able to provide you quotes for the companies that they write for.
Exclusive agents on the other hand work for only a single insurance company. These agents can get you insurance quotes also, but it would only be for the one insurance company that they write for.
Lastly, you can also get car insurance quotes straight from the insurance companies on their websites (or by phone). There is a money saving advantage in going directly through the insurance company for your insurance coverage. Because they don't have to pay an agent commission to sell you the insurance policy, they can offer you a lower rate.
The downside to going directly through an insurance company is that you are on your own if you have problems with the insurance company. If you purchase a policy through an agent, they can help you with any issues you may have in the confusing world of insurance.
by: Todd Clay
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