Car Insurance Providers
If you want cheaper car insurance or are looking to save money on your premium, you should know that there is no one insurance provider you should go to, despite the many car insurance commercials making us want to think otherwise.
You are probably familiar with the Geico Gecko or Flo from Progressive. Although both characters are cute and charming, they are created for the sole purpose of you wanting to get your auto insurance from that single company.
Auto insurance quotes can vary by hundreds (sometimes over a thousand) of dollars. The price you get depends on who you ask. The more you ask, the better.
If you go to your local state insurance site (you can find it by first going to NAIC or searching for your state name plus the word, insurance, in Google) you may find (some sites do not have this) a survey, which gives rates for hypothetical drivers from your local auto insurers. The reason your government went out and got sample rates was not to find the insurance provider with the best premiums, but to encourage you to shop around for auto insurance.
Although there are online comparison services for auto insurance, they may not be the magic sites that you think they are. Because their aim is to make money, you may not find the lowest insurance provider because that company does not pay that site commission. Furthermore, the prices you get from some companies may be lower because you have not talked to them directly and asked about eligible discounts.
It is always a good idea to speak to an independent car insurance agent. Agents that are independent can analyze your situation and match you with the best insurer. For example, you may have poor credit and have trouble getting a decent quote. Because they have links with many providers, they can get you a good quote.
You can easily find an independent agent in your area by going to the auto insurance section of your Yellowpages or business directory. If the agent or agency name is something that is not familiar to you (such as Sunshine Auto Insurance), you are likely looking at an independent agency. If the agency's name is something like Jane Hope-All State, you can get car insurance from only that single insurer. - 21392
You are probably familiar with the Geico Gecko or Flo from Progressive. Although both characters are cute and charming, they are created for the sole purpose of you wanting to get your auto insurance from that single company.
Auto insurance quotes can vary by hundreds (sometimes over a thousand) of dollars. The price you get depends on who you ask. The more you ask, the better.
If you go to your local state insurance site (you can find it by first going to NAIC or searching for your state name plus the word, insurance, in Google) you may find (some sites do not have this) a survey, which gives rates for hypothetical drivers from your local auto insurers. The reason your government went out and got sample rates was not to find the insurance provider with the best premiums, but to encourage you to shop around for auto insurance.
Although there are online comparison services for auto insurance, they may not be the magic sites that you think they are. Because their aim is to make money, you may not find the lowest insurance provider because that company does not pay that site commission. Furthermore, the prices you get from some companies may be lower because you have not talked to them directly and asked about eligible discounts.
It is always a good idea to speak to an independent car insurance agent. Agents that are independent can analyze your situation and match you with the best insurer. For example, you may have poor credit and have trouble getting a decent quote. Because they have links with many providers, they can get you a good quote.
You can easily find an independent agent in your area by going to the auto insurance section of your Yellowpages or business directory. If the agent or agency name is something that is not familiar to you (such as Sunshine Auto Insurance), you are likely looking at an independent agency. If the agency's name is something like Jane Hope-All State, you can get car insurance from only that single insurer. - 21392
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For more money saving tips check out Auto Insurance Discounters and Cheap Auto Insurance.
posted by X - Men @ 4:56 AM
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