Car insurance rates in the United States have risen substantially over the last few years. In fact, statistics show that auto insurance rates rise by nearly 2% per quarter on average. Whilst the current oil and credit crises may slow down this upward trend, they are unlikely to reverse it.
Perhaps you've been looking at auto insurance quotes and have been discouraged by their high prices. Well don't be. There is a fairly simple system for finding the cheapest auto insurance. just follow these pointers and hopefully you will be pleasantly surprised at just how much you could save.
1. List the coverage and options that you need
Many people grab the cheapest auto insurance they can without stopping to think whether the policy suits their need. There is no point in having a dirt cheap policy and then finding out that you have to pay for collision damage out of your own pocket because the auto insurance policy you purchased didn't cover it. Things you should consider are -
* What are your state's minimum requirements?
* Should you protect yourself with more than the minimum?
* Should you insure just for accidents that are your fault, or should you cater for accidents that are the fault of other people?
* Should you include cover for theft, fire and flood?
* Should you include cover for uninsured/underinsured drivers.
Sort all these things out in your mind. Once you have your list go quote hunting.
2. Get quotes - a lot of quotes
With your list of required coverage and options in mind gather as many auto insurance quotes as you can. I would recommend a minimum of ten. That may sound like a lot but you should be able to do it fairly quickly online. There are scores of websites where you can obtain auto insurance quotes with ease and with no obligation on your part. Print out the quotes you obtain, you'll need them later.
3. Check out the companies that quoted.
Before comparing the sites, do a little background research on the companies that quoted. Look out for such things as their pay out history and their financial stability. Insurance companies going bust is not unheard of. The big famous companies are safe (although you never can tell in today's financial climate), but don't rule out the smaller companies as their rates can be significantly lower than their larger counterparts. Another thing that you can do quite easily is get a feel for the company's customer service. Just give them a ring and ask them a question such as "Will I get a discount if I insure more than one car?" and judge how they deal with you. If they are a pain with answering such a simple question, then they will be terrible when dealing with a claim.
4. Compare!
Now you've whittled your list down to the auto insurance companies that are safe and seem to have good customer relations, start comparing the quotes. As you are after the cheapest auto insurance that covers your needs then price is the first thing to compare. But don't make this the only basis for comparison as many companies offer discounts that are not always evident on their quotes. Things to look for are companies that
* Reward good drivers
* Drivers that insure more than one vehicle with the same company
* Drivers that have defensive driving certificates or drive vehicles with safety features
* Drivers that have higher deductibles
As you can see by a little diligent research you could save yourself quite a few dollars and get the cheapest auto insurance around.
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Article Source: [http://EzineArticles.com/?Cheapest-Auto-Insurance---How-to-Get-it&id=1353626] Cheapest Auto Insurance - How to Get it
Perhaps you've been looking at auto insurance quotes and have been discouraged by their high prices. Well don't be. There is a fairly simple system for finding the cheapest auto insurance. just follow these pointers and hopefully you will be pleasantly surprised at just how much you could save.
1. List the coverage and options that you need
Many people grab the cheapest auto insurance they can without stopping to think whether the policy suits their need. There is no point in having a dirt cheap policy and then finding out that you have to pay for collision damage out of your own pocket because the auto insurance policy you purchased didn't cover it. Things you should consider are -
* What are your state's minimum requirements?
* Should you protect yourself with more than the minimum?
* Should you insure just for accidents that are your fault, or should you cater for accidents that are the fault of other people?
* Should you include cover for theft, fire and flood?
* Should you include cover for uninsured/underinsured drivers.
Sort all these things out in your mind. Once you have your list go quote hunting.
2. Get quotes - a lot of quotes
With your list of required coverage and options in mind gather as many auto insurance quotes as you can. I would recommend a minimum of ten. That may sound like a lot but you should be able to do it fairly quickly online. There are scores of websites where you can obtain auto insurance quotes with ease and with no obligation on your part. Print out the quotes you obtain, you'll need them later.
3. Check out the companies that quoted.
Before comparing the sites, do a little background research on the companies that quoted. Look out for such things as their pay out history and their financial stability. Insurance companies going bust is not unheard of. The big famous companies are safe (although you never can tell in today's financial climate), but don't rule out the smaller companies as their rates can be significantly lower than their larger counterparts. Another thing that you can do quite easily is get a feel for the company's customer service. Just give them a ring and ask them a question such as "Will I get a discount if I insure more than one car?" and judge how they deal with you. If they are a pain with answering such a simple question, then they will be terrible when dealing with a claim.
4. Compare!
Now you've whittled your list down to the auto insurance companies that are safe and seem to have good customer relations, start comparing the quotes. As you are after the cheapest auto insurance that covers your needs then price is the first thing to compare. But don't make this the only basis for comparison as many companies offer discounts that are not always evident on their quotes. Things to look for are companies that
* Reward good drivers
* Drivers that insure more than one vehicle with the same company
* Drivers that have defensive driving certificates or drive vehicles with safety features
* Drivers that have higher deductibles
As you can see by a little diligent research you could save yourself quite a few dollars and get the cheapest auto insurance around.
Looking for effective info on automobile insurance [http://affordableautoinsurancequotesguide.com/a-great-way-to-purchase-car-insurance-online/]? Visit cheap auto insurance [http://affordableautoinsurancequotesguide.com/affordable-auto-insurance-quotes-young-driver-insurance/] for some clear and concise information
Article Source: [http://EzineArticles.com/?Cheapest-Auto-Insurance---How-to-Get-it&id=1353626] Cheapest Auto Insurance - How to Get it
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