With gas prices being the way they have people all over the country have started to get creative with their finances and the costs associated with auto travel.

Prices vary from company to company, so it pays to shop around. Get at least four to five price quotes. You will find that there are several websites out there that can save you the time from doing this the slow and hard way as they will often get you quotes from up to a dozen companies all at once. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers. And no, companies like Progressive that claim they will compare other companies, but they are an insurance company, so they are not to be trusted. They only have one interest, and that is to promote their own business.

Bigger is not always better. There are several low cost automobile insurance companies offering competitive rates in relation to the big names out there. This makes it possible to save a bundle on this expense. Many people seem to ignore this cost and tend to accept the burden of expensive insurance even when monthly payments almost match a car payment. In one case, I lowered my car insurance rates by about 50% when I found a good local company (I had switched from a really big name company).

One of the best ways to get cheap car insurance is simply to use a service that forces insurance agents and brokers to compete against one another. At the end of this article is one example of such a site. As soon as you finish your online quote request, multiple agents will contact you. But it is important to NOT sign up with any one of them immediately-Instead, let them know that you are awaiting calls from other local insurance providers. After 5 or so of these people have contacted you, you should have a good idea of what sort of range you might expect to pay.

Then, if you really want to get the cheapest car insurance possible, simply tell the agents that you are ready to buy within the next 24 hours with whichever company offers you the lowest insurance rates. This really puts the fire under them, and is sure to create the most optimal pricing for you. Of course, be sure to carry through on your promise.

If it makes sense, you may want to consider getting a bundle package. Basically, see what it might cost to insure not only your car, but also your home, property, health and life insurance. This can save a person around 10% – 30% depending on the company you go with; and it does make paying your bills easier as well.

Oh, and one more tip, remember that the more info you provide upfront, the more accurate your quotes will be, and the more likely the insurance companies will be responsive to your inquiry. This is especially true when filling out a quote from multiple companies.


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No Responses to “Cheap Car Insurance – How to Get It”

  • I know 2 people who got a lower rate with Geico.

  • T says:

    Sounds like fun.
    Though if you are only going to use it for ramming in to each other, surely it will not be safe to take on the road anyway?
    If you really want insurance take it out on a monthly basis as I don't think the car will last that much longer LOL.
    Have fun though.

  • Sure, you can do that, but it constitutes fraud. If you get caught, you could be in some mighty big trouble.

  • katrinaxdoll says:

    the way I do it is I wait till I am due for renewal then I shop around and when I find the cheapest quote I ask my insurers if they can match it, if they cannot then
    I do not renew and go with the new guys.
    If you check out a good comparison site you get to save much time as the site will provide quotes from all main insurers.
    Here's some from my bookmarks:
    http://www.moneysavecenter.com/index.html?id=923
    http://www.simplyinsurancequotes.com/car-insurance-quote.php?id=923
    there's more in google
    take care

  • helaine says:

    Check out this site, if you want to find the cheapest car insurance just in one minute,

    http://best-cheap-car-insurance-usa.blogspot.com/

    Here you can get free quotes from different car insurance companies in your area, its the best way to find an afforable car insurance with a reliable company.

    Best Wishes,

  • thersa says:

    Check out this site, if you want to find the cheapest car insurance just in one minute,

    http://best-cheap-car-insurance-usa.blogspot.com/

    Here you can get free quotes from different car insurance companies in your area, its the best way to find an afforable car insurance with a reliable company.

    Best Wishes,

  • swift cover . com or tesco, but tyhere's no way you will get insurance for £100.00
    a new driver insuring a corsa 1000cc will expect to pay around £1000
    sorry

  • Robert says:

    Try this site

    http://cheapinsurance.notlong.com

    here you can get quotes from different companies so you can find the best option for you.

  • mellissa says:

    Check out this site, if you want to find the cheapest car insurance just in one minute,

    http://best-cheap-car-insurance-usa.blogspot.com/

    Here you can get free quotes from different car insurance companies in your area, its the best way to find an afforable car insurance with a reliable company.

    Best Wishes,

  • LostTeen says:

    Cheap and 18 is an oxymoron. Add CA to the mix and it gets worse. Then factor in an almost new car…

    If you live at home, get added to your parents insurance. If you don't, talk to an independent agent to see if you can do any better.

  • Alesia D says:

    Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

    The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

    An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

    In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records.

    Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

    Good luck, drive RESPONSIBLY and I hope this helps!

  • Eddy says:

    See this http://gsx1.com/InsuranceComparison.html take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge.
    But to find a cheap price you should get several quotes, do some legwork till something better will come along.
    Here's more from my bookmarks
    http://finance.ebookorama.com/ukusa-selected-resources.php
    http://gsx1.com/Car-Insurance/100.php

  • SB says:

    I suggest you call a local auto insurance agent to help. Since I live in Texas I can't recommend anyone in Nevada, but here is an online resource that can help you. http://www.simpleautoquotes.com/Auto-Insurance.html

    Good Luck!

  • xxxx1101xxxx says:

    $ 80 monthly.
    I did it online from
    http://best-american-insurers-free-comparison.servicesarticles.com
    I'd have to look at the CC statement to see their name and frankly I don't care to do that.

  • Mark H says:

    Directline is a good one

    Im 17 turning 18 soon got a quote for a 1.6 Vauxhall Astra Envoy 8v for £1685 thats paying monthly at 18 with no driving exp (Fully Comp)

    Citroen Saxo 1.4i Furio going to cost me £1907for the year fully comp pay monthly

  • felicidad says:

    Check out this site, if you want to find the cheapest car insurance just in one minute,

    http://best-cheap-car-insurance-usa.blogspot.com/

    Here you can get free quotes from different car insurance companies in your area, its the best way to find an afforable car insurance with a reliable company.

    Best Wishes,

  • Brittany B says:

    Insurance is very individual because it's based on your drivers record, sex, age, and a number of other variables such as location, credit rating and type of vehicle being insured.

  • There is never insurance that is next to nothing. Do not buy anything on line. Call some local agents and get some quotes.

    Ask for all the discounts they offer, ask them to list each one and ask how to get each discount they offer. It just like Costco, the more insurance you have with one company the more discounts you get.

    Ask for discounts, discounts, discounts. It is just like using coupons.

  • loba says:

    Finding cheap auto insurance is much easier today than it use to be,thanks to the internet. You just have to find a site that offers policies from many companies and then you can compare quotes. No longer do you have to physically shop from company to company.

    First shop different companies and compare the premiums.See what coverage they offer you. Don't be afraid to get many quotes, in fact you should. Search online to get quotes because you need to compare prices and make sure you are in fact getting a good deal on your insurance policy. Remember that it is important to compare those quotes and also the policy to make sure that you have enough insurance in case the worse happens.

    Secondly, after you have gathered different quotes now it is time for you to compare them and make sure that the coverage is adequate for your needs. A low price may not give you the right package to meet your needs so check the policy for the price and choose the best one for your needs.

    Lastly, Check with the different companies to see what kind of discounts they may offer, such as good driver or good student or multiple car discounts these options can offer you great savings. There are also multiple insurance policies that can help you save money if you are able to purchase a policy for several types of insurance. Once you find a policy that has a great policy and it is affordable then you can feel comfortable.

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