When buying or renewing a car insurance policy, many people live by the adage, "If it ain't broke, don't fix it." In other words, you've been using the same auto insurance company for years, and inertia takes over when annual renewal time comes around. After all, getting car insurance quotes means calling a variety of insurance companies, talking to salespeople, and going through a series of hassles. At the end of the process, you may have received a lower quote, but also harbor lingering suspicions that the coverage might not be equivalent to what you've had in the past, or might not be adequate for your needs.
Taking the Hassle Out of Car Insurance Shopping
Contrary to this scenario, the reality is that it's simple to get comparable auto insurance quotes. Thanks to the Internet, you can get personalized estimates from a variety of top insurers in a few short minutes. There are sites dedicated to insurance - auto, life, and health - that require you to answer some simple questions and that return instant insurance estimates.
For example, you may be asked your ZIP code, whether or not you currently have insurance, if you've had a driver's license for more than three years, and whether you or anyone in your household has had two or more moving violations or accidents in the previous three years. Then you'll be asked your name, date of birth, gender, and other demographic, driving history, and car insurance information. After the online interview process, you'll receive free auto insurance quotes. Some sites even enable you to go ahead and buy insurance from one of the carriers quoted.
Comparing Apples to Apples
The beauty of sites that specialize in quoting insurance - car, life, and health - is that you're able to make side-by-side comparisons of both cost and coverage. That nagging feeling that paying less means inadequate coverage will dissipate when you can see what each company offers. Auto insurance isn't a "one size fits all" product, so it's doubly important that you understand the ways in which you can lower your car insurance premiums while maintaining the level of coverage you need.
The Savings Add Up
With personal debt at an all time high and the current popularity of strategies to take control of your financial future, you shouldn't overlook car insurance as a source of considerable savings. After all, insurance companies compete for customers, and your allegiance should be to the company that gives you the coverage you need for the least possible cost. If you could save even ten dollars a month on insurance, over the life of a five-year car loan it would add up to $600. That is probably equivalent to more than one car payment, and could certainly be used to pay down other debts. The chances are that, if you've been with the same car insurance company for a number of years, a competing company would be happy to offer you a lower rate to get your business.
It's second nature to comparison shop when buying big-ticket items; why should car insurance be any different - particularly when all it takes is a few clicks of your mouse?
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About
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Chris Robertson is a published author of Majon
International. All Rights Reserved. Copyright 2009 (Sat Apr 28 2007)
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