If you want inexpensive 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.
There is a good chance that you have heard from the Gecko or Flo. Maybe you have also had that Safe Auto jingle stuck in your mind. The car insurance company, that is advertising, wants you to shop only with them, which is the opposite of what you should be doing.
Did you know that car insurance quotes can vary by as much as $1,000 for a year’s worth of insurance?
Your state insurance website, which you can access from the NAIC site, may have a survey, which gives sample quotes from your local insurers. These surveys are created not so you know which insurer is the most affordable, but to remind you that the best thing you can do, when getting a new quote, is to shop around.
Although there are online comparison services for auto insurance, they may not be the magic bullets 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 providers may be lower because you have not talked to them directly and asked about eligible discounts.
Although looking for quotes online can save you time, nothing beats speaking to an insurance expert face to face. If you speak to a local independent agent, the agent will assess you and connect you with the best insurance company. Your local independent agents can be really useful if you have a special situation, such as insuring a teen.
You can find an independent agent by looking through a local business directory or the Yellowpages. Generally, if the name of the insurance agency is one, which you do not recognize, it is independent. If the name is something like State Farm-Michael Lamar you are dealing with someone who can only give you insurance from that one provider.
