Auto insurance quotes and tips
Car insurance is a necessary expense, but there are way to save on car insurance too. Don’t assume your current insurance company gives you the best rate. Shop around, check quotes from different companies. I shop around for auto insurance every year when my policy is about to expire and I have already switched between three different insurance companies in last five years. As a result, I pay less than a half of the insurance premium I paid few years ago. Insurance companies compete against each other, and we can use it to our benefit. It takes just a few minutes to get the quote online. Here are few websites where you can receive car insurance quote online:
US Online Auto Insurance quotes:
• GEICO – according to their website, GEICO is the fourth-largest private passenger auto insurer in the United States. You can get an insurance quote online.
• Insurance.com – online insurance quotes from multiple providers.
• 21st Century Insurance Company
Canada Auto Insurance quotes:
• TD Insurance – Free online quotes.
• BELAIRdirect – Online quote
• RBC Insurance – Get a home or auto insurance quote online.
• PC Financial Insurance – Get an online quote
• State Farm – Serving Alberta, New Brunswick and Ontario
Auto insurance tips
- Before buying a car get the insurance quote for the model you want to buy; insurance costs may vary a lot between different cars and even between different models of the same car.
- Shop around, get quotes from as many insurance companies as you can, rates vary between different insurance companies.
- Consider higher deductible. A deductible is the amount you pay from your pocket before your insurance will pay should you have a claim.
- If you have a low-value vehicle, consider dropping comprehensive and (or) collision coverage; If you car worth just $1500 – $2000 it makes more sense to buy another vehicle rather than repair the old one.
- Ask for possible discounts – some insurance companies may offer you a discount if your car has certain safety features such as Anti-lock Brakes (ABS) or an anti-theft device, like an alarm system or an immobilizer.
- Some insurance companies offer discounts if you insure other things such as your house with the same company.
- Not all insurance companies offer the same level of service. Choose a reputable company, there is a web site where you can check ratings of various insurance companies. Follow this link A.M. Best – The Insurance Information Source. Ask your friend and relatives what is their experience with particular insurance company.
- Shop around for an insurance quote every time before your current policy is due for renewal – your current insurer not always offers you the best rate. It’s very possible that another insurance company will offer you lower rates if you switch.
- If you are planning to move, check the insurance quote for that location first, the insurance rates may vary depending on where you live and how far you drive to and from work every day.
- If you found another job that requires you to drive less to and from work, call your insurance company, they may offer you lower rates.
- Avoid traffic tickets, your insurance premium may increase substantially as a result.
- And finally, and most importantly, drive safely, so you will never have to use your insurance.
by Vlad Samarin
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