What to Know When Shopping For Car Insurance

With the ease and speed that car insurance shoppers can get quotes through the Internet, it’s getting to the point where your driving record now has very little relevance to obtaining low quotes – provided you’re a reasonably safe driver. Thousands of car insurance carriers have taken their business to the ‘net and with the intense competition, it is much easier to get affordable quotes and lower your car insurance cost.

You are probably looking for a lower rate against your existing coverage prior to renewing it. If so, you should have your policy when you go comparison shopping on the Internet. Don’t rely on your memory; you have to know exactly what kind of coverage you have. Nobody wants to take more time than necessary to do this, but spending a little more time and effort will pay off handsomely in the form of savings on your car insurance cost.

Bear in mind that the lowest dollar quote does not necessarily mean that the insurance company is giving you the cheapest quote. Compare not just the cost but the benefits and services offered by each insurance company. The few dollars you save on the premium cost is insignificant if the higher premium includes benefits such as free roadside assistance. If your job entails plenty of traveling, this added benefit is certainly worth paying a few dollars more.

You can also avail yourself of discounts offered by some insurance providers if you pay your premiums in advance. If you pay monthly, you could be losing a substantial amount if you add up your insurance cost in a year’s time.

It’s also important to know how good the company’s customer service is. You want a company that you can call toll-free 24/7 and be able to talk with a person. If it has a local claims office, that’s another plus point. You can probably think of more questions that you need to be answered before deciding to switch to another insurance company. Write down these questions so you don’t forget to ask them.

Many people prefer to do their shopping by logging on to a comparison website which can give quotes from several insurance companies with just one entry. Some people however have discovered that they can get a better offer by logging on to the insurance companies’ individual websites one at a time. This will take a little more effort but if it works, it will be worth it.