At anytime, 24 hours a day, 7 days, anyone with access to the internet can get multiple quotes and coverage from top car insurance companies. Policies ranging from car insurance, motorcycle, RV, boat and just about anything in between. All it takes is a few minutes of your time.
The days when you had to drive to your local insurance agent’s office and accept whatever policy she had available are over. With the world wide web, you have access to insurance companies all over the world! This will allow you to get multiple quotes and comparison to get the absolute lowest rates available.
Despite what you may have heard, you don’t have to reduce your policy limits to get lower rates. The first step is to comparison shop online so that you have a baseline of several quotes from which you can compare and whittle away at.
It is up to you to inquire about what discounts are available. Since agents work on commission, they naturally want you to spend as much as possible, thereby raising their commission in the process. They will not be quick to point out discounts you may qualify for. Items like no speeding tickets or accidents in the past ten years, a homeowners insurance policy with the same company, and even a high credit score will work in your favor to lower your rates.
They will also want to know how far you drive. The shorter your driving distance the less your insurance rates. If there’s any way you can reduce how far you drive such as using transit, you’ll be rewarded by the insurance company.
You may not have thought of this, and your agent will likely not mention it, but taking a defensive driving course can help reduce your rates even further. The expense will be negligible compared to the savings that it will bring.
The type of car you are driving will also affect your insurance rates. Some vehicles have a high-risk rating attached to them such as sports cars or some SUV’s that have a high roll over rate. These types of vehicles will cost you more to insure.
Some cars receive higher safety ratings than others. Volvo is legendary for designing safe vehicles. Besides design, air bags, anti-lock brakes, roll-bars, side impact re-enforcement and other life-protecting features will bring further reduced insurance rates.
You may want to consider trading in your vehicle if it has a poor safety rating or lots of horsepower. Besides having a perfect driving record, the type of vehicle you drive will play the biggest part in the cost of your car insurance.
Remember, a small amount of time spent using your mouse and computer can save you a bundle each year on your car insurance premiums.