Save Money On Auto Insurance By Comparing Insurance Quotes

Comparing rates for insurance is the single most effective strategy in finding a lower rate for the insurance you need. The variance between premiums is drastic, sometimes exceeding $1000 a year. There are literally hundreds of insurance companies providing coverage to drivers.

So what ways can you go about comparing insurance quotes for the maximum savings?
Before you begin comparing insurance quotes make sure you have everything you need. This includes the date of birth and license numbers of all drivers who will be added to the policy. Also make sure you have in front of you the dates of all tickets, accidents and claims that will be found on your reports. It’s important to be accurate with this data so the offers are accurately comparable. Some companies won’t confirm claims history until you are ready to purchase the policy. If the reports don’t match what was represented by the applicant the initial rate could be significantly lower than what that company will actually charge you for the policy.

Although there are many tools online that make comparing quotes easy, many of us still call around for insurance. How many companies can you compare within an hour’s time when calling around? A typical call could take about 20 minutes which means you could possibly compare 3 rates within an hour. What’s nice about calling around is you may learn a little more about your specific insurance needs as you’ll be on the phone with a few insurance Agents who know the industry well. If calling around is your preference, the best thing to do is be sure one agent is an independent agent. This way you’ll get more than a few comparisons as most independent agents represent as many as 8 auto insurance providers.

Comparing insurance quotes online is about the easiest way to find the company offering the cheapest insurance rates for the insurance you need. Once again you want to make sure you have all accurate driver data in front of you before you begin. With online services you can request insurance quotes from several companies within about ten minutes. This insurance shopping strategy is much more time efficient and effective.

Regardless of how you want to shop for insurance, its recommended you re-evaluate your options at least once a year. Companies are often changing the way they rate customers. Also things in your own life may be changing whether it be the age of drivers on your policy, where you live, marital status and place of employment. There is never an obligation to buy insurance when shopping around. With a comparison quote you can review your options without having to change companies or buy a new insurance policy.