Comparing car insurance quotes is a great way to get a better deal on your car insurance premiums. There are hundreds of companies and policies to choose from, so you will definitely have to do your homework to find the best deal. Saving a little bit of money on your premiums only makes sense if you can do it. The difference could be better spent on other things. However, you want to make sure that you are not sacrificing too much.
There are a number of companies out there that are devoted to reviewing car insurance companies. They will tell you everything you need to know about them and compare them side-by-side. When you look at companies next to each other, it becomes a lot easier to find the companies that you would potentially like to work with. Using a car insurance comparison is a great tool to use in your quest to find cheap car insurance.
Using these sites, you should then narrow down your search to three to five companies that you would consider purchasing from. Pay special attention to customer comments on these sites as they can give you a good idea what to expect. If you see a repeating theme among many customers of unhappiness with their service, you might want to stay away.
The next step in the process is to take your list of three to five companies and visit their individual company websites. When you do this, you can zero in on the exact things that you want covered. While insurance review sites are great, they cannot give you an official quote from the companies. However, you can get one from most of their websites. Select the specifications that you want and customize your policy. When you do this, you can get a more accurate estimate of what you can expect to pay. This will also enable you to compare apples to apples. If you compare one policy that has collision, comprehensive, and liability against one that has only liability, you will not be using a fair comparison. Narrow down your search even more to two or three companies.
Visit an Agent
The next step of the process is to physically take your auto insurance quotes into an agent. Auto insurance agents are used to this and they want to do whatever they can to earn your business. Usually out of three companies, there is one that you would rather work with based on reputation. Go visit the other two companies first and ask them to give you their best price for the policy coverage that you want. Tell them you want to think about it and take a printout of the quote.
You then give the one company that you would prefer to do business with the last shot. Show the agent your quotes from the other two places. Let them try to match or beat the competition and many times they will to get your business. This will work in most cases and will get you the policy you want at a price you can afford.