At anytime, 24 hours a day, 7 days, anyone with access to the internet can get multiple quotes and coverage from top car insurance companies. Policies ranging from car insurance, motorcycle, RV, boat and just about anything in between. All it takes is a few minutes of your time.
The days when you had to drive to your local insurance agent’s office and accept whatever policy she had available are over. With the world wide web, you have access to insurance companies all over the world! This will allow you to get multiple quotes and comparison to get the absolute lowest rates available.
Through the use of the internet, insurance agencies have become competitive, so shop around, get several quotes and choose the policy that’s right for you. The use of the internet gives the consumer access to many insurance companies at her fingertips, and now shopping for car insurance has become stress-free.
It is wise to ask your agent about the discounts available. This simple step is often forgotten, and the fact is that the agent works on a commission so he isn’t going to be quick to tell you about them. The more you pay, the more he makes. But factors like a high credit score, a spotless driving record, airbags, anti-theft measures and gps locators, and even another insurance policy with the same company will all help you obtain a lower rate. Make sure you leave no stone uncovered in this area!
Taking advantage of public mass transit systems will save you money on your rates as the insurance company will factor in how many miles you drive per year. The more you drive, the higher your rate as it statistically increases the chances of an accident.
You may not have thought of this, and your agent will likely not mention it, but taking a defensive driving course can help reduce your rates even further. The expense will be negligible compared to the savings that it will bring.
our decision on which vehicle you choose to buy will determine whether you receive low premiums or not. Keep that in mind before you make a purchase.
Some cars receive higher safety ratings than others. Volvo is legendary for designing safe vehicles. Besides design, air bags, anti-lock brakes, roll-bars, side impact re-enforcement and other life-protecting features will bring further reduced insurance rates.
You may want to consider trading in your vehicle if it has a poor safety rating or lots of horsepower. Besides having a perfect driving record, the type of vehicle you drive will play the biggest part in the cost of your car insurance.