Shopping for Auto Insurance
Aug 15, 2009 More Saving
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If you want to save money on your auto insurance, keep in mind that there is not one company out there that will always give out the cheapest quotes. Although there are many commercials from insurers saying that they are the best, this is not the case.
You have likely seen Progressive’s Flo and Geico’s famous Gecko. Yes, both Flo and the Gecko are very admirable. Despite this, you should keep in mind that they were created to make you want to shop with only the advertising insurer.
Car insurance premiums can differ by $1,000. It all depends on what insurance company you go to.
If you go to your local state insurance site (you can find it by first going to NAIC or searching for your state name plus the word, insurance, in Google) you may find (some sites do not have this) a survey, which gives rates for hypothetical drivers from your local auto insurers. The reason your government went out and got sample rates was not to find the insurance provider with the best rate, but to encourage you to shop around for auto insurance.
Although there are online comparison sites for auto insurance, they may not be the magic sites 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 companies 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 car insurance company. Your local independent agents can be really useful if you have a unique situation, such as insuring a teenager.
If you go to the car or auto insurance section of your business directory or Yellowpages you’re going to see a long list of agents. If the name of the agent is something like Best Deals Car Insurance, the agent is likely to be independent. If, however, the name is something like Tommy Kostopolus-State Farm Insurance, it is an agent who can give you a quote from one company.
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