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3 Signs That An Auto Insurance Quote Is Too High

Wednesday, June 2nd, 2010

Shopping around for auto insurance premiums can be a nerve-racking endeavor. It’s so tough to know if you are making the best deal with the best company at the best possible price. A premium too high can force your budget into an uncomfortable spot.

But never fear, for you are not alone in your fight to get the most out of your auto insurance dollar. When receiving auto insurance quotes there are a number of things that you should look for to know you are paying out too much money in your premiums. Here are the top 3 signs that your auto policy quote is too high.

The first sign is if the quote you are being given is more money than your current policy. Chances are you’re shopping around because the money you are spending on auto insurance is already too much. If you are doing a quote with another company and the price you are getting back is higher than you pay now, it’s worth asking. You need to either redo your online auto insurance quotes or to ask the agent preparing your quote to make sure all the information they entered in is correct.

The second sign you might be paying too much is if you were never given the opportunity to apply for discounts. Very few plans exist in the world without driving incentives and discounts. The very nature of these programs is to bring the cost down to you and drive business in. If you have done an online quote or were speaking with a representative and incentives and discounts were never covered, then there is something that needs to be fixed.

But make sure you ask. Often times people do not ask because they just assume that it’s been adjusted or the person that is handling it already knows about the discounts and has taken care of it. But never assume when it comes to lowering your auto insurance premiums.

The third sign you may be quoted too much has to do with your address and zip code. Do not assume that a person or a computer knows accurately the town or zip code you live in. This can make a huge difference as far as what you have to pay in insurance premiers. Living in a hugely populated city like Chicago versus a quiet Chicago suburb like Lyons, Illinois can mean the difference between paying a little on your car insurance and paying a lot.

Auto insurance quotes can be a tricky thing. If you pay careful attention to the information you are receiving you can purchase it at a rate that is affordable for you. Do the research and find the best rates for you.

5 Things You Need to Know Before Buying Auto Insurance

Tuesday, December 15th, 2009

If you are purchasing a new car or are currently paying thousands of dollars into your auto insurance policy because of traffic violations, an accident or a low credit rating, shopping for auto insurance quotes may be worth your while. Buying auto insurance is one of those necessary expenses that you shouldn’t be passive about. When reviewing auto insurance quotes choose the one that gives you the coverage you need at a price you can afford. Before you sign up and accept the first policy that comes along, you’ve got to do a little work of your own. Here are five steps that may help.

1. Determine how much coverage you need. You want to be adequately covered in case of an accident, but you don’t want to pay any more than necessary. First, determine what is required in your state. Every state has minimum auto insurance requirements, and if you’ve got a car loan, the lien holder may have further requirements. This will tell you the minimum coverage. Then, it’s up to you to decide how much you need to feel comfortable.

2. Review the factors that determine your rate. Before buying auto insurance check your driving record, your current coverage and your current auto insurance rate. The best source for this information is your current insurance company. They’ll be able to tell you what you can expect to pay based on these factors.

3. Shop for auto insurance quotes. Now that you know what you need and what is affecting your rate, it’s time to shop for quotes. Begin online. A simple search engine search will yield dozens of auto insurance quote sites. Some sites will give you an instant quote, while others will contact you directly to assist you. Once you’ve reviewed all of the online options, start calling companies that couldn’t give you online quotes. With any auto insurance quote, ask the company to send you a copy of the written quote for your records.

4. Ask about discounts. When you are talking to an agent, don’t forget to ask about discounts. Insurance companies give discounts for multiple vehicles, a good driving record, safety equipment on the vehicle, a favorable credit score, certain organization affiliations and more.

5. Review and compare. Now it’s decision time. Before buying auto insurance you’ll want to check out the company. Often one quote will really shine as cheaper, but what happens when you need to file a claim? Visit your state’s department of insurance and out the satisfaction rate of the company you’re considering going with.

It’s a smart idea to compare quotes every couple of years to ensure that your auto insurance rate is competitive.

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