How You Can Get Lower Auto Insurance Quotes

When you’re shopping for auto insurance quotes, you’re probably hoping to find the lowest rates available for reliable coverage, right? Well, it’s easy to find good rates, you just have to know the steps to take to do so and the factors that affect car insurance premiums.

Make Comparison-Shopping a Priority

The first and most important step in finding low auto insurance quotes is making sure you get out there and comparison-shop. Whether you’re looking for coverage by calling various agents or checking their sites online, you want to make sure that you shop around because the next cheapest coverage option could be just around the corner without you knowing it.

Check Your Credit Report

Another way to get your hands on lower coverage is to check your credit report. Because most auto insurance companies run credit checks to determine your monthly premium, it’s good to know both your credit score and what’s on your report. You’d be surprised by the number of mistakes that could show up on your report and essentially hike up your score – and your premium.

“Bundle” Your Insurance Policies

If you already have homeowners insurance with a specific company then you can check auto insurance rates to see if you can get a lower rate for already being insured with them. Many companies offer this type of discount, so it’s worth seeing if this is an option for you.

Raise Your Auto Deductible

If you keep seeing that the auto insurance quotes you receive are too high, you might consider raising your deductible amount – this will ultimately lower your premium.

Check for Discounts

In addition to the “bundling” discount, you might consider checking for other discounts, such as the Good Student discount for your teen, or other specific discounts that you may qualify for. You never know – there may be one out there to lower your premium significantly.

Use an Auto Insurance Broker

Using an auto insurance broker is another great way to find a low quote. By submitting your information to the broker, he will create a listing of companies and the rates they will offer you. This can help you easily decide who has the lowest prices.

The greater the effort you make to find low auto insurance rates, the easier it will be. So try some of these suggestions to acquire the best policy for your wallet. Also, you may discover that it’s actually not in your best interest to lower your auto insurance rates as your current plan may be covering your needs adquately.

*How are you finding the best auto insurance quotes? Share your story with us in the comments section, we’d love to hear from you.*