Auto Insurance Quotes

If you are shopping for auto insurance, don't overpay. Here are 10 tips on how to be sure that you are getting the best auto insurance quote.

Take your time and shop around. The cost of car insurance can vary widely from one company to another. To be sure you get the best auto insurance quote, take the time to obtain at least three quotes before you choose a policy.

Only purchase as much auto insurance as you need. For example, you might consider skipping collision insurance if you drive an older model car that is worth less than $1,000.

To get the best auto insurance quote, increase the deductible on your auto insurance policy if you can afford to. Whether this makes sense for you will depend on whether you can afford to pay $500 or $1,000 up front in the event of an accident. If so, raising the deductible from $250 to $500 might save you 10% or more, and hiking it to $1,000 would result in ever greater savings.

                                         

Before requesting a quote, find out what discounts are available to you. Most auto insurance companies offer numerous discounts, including some that are not well known. For example, you might be eligible for a discount if you participate in a low-risk occupation, are a member of a professional organization, have certain safety features (such as anti-lock brakes) on your car, are a senior citizen and/or have recently taken a defensive driving course. Also, ask the human resources department at your company whether your employer offers group auto insurance discounts.

To get the best quote on auto insurance (and all you insurance) buy as much as you can from one company. You can usually save money by combining coverage and purchasing multiple policies, such as both your homeowner's and auto insurance policies, from the same company.

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