Finding cheap auto insurance quotes

by John Buckle

How to find cheap auto insurance quotes

If you think you're paying too much for your existing auto
insurance, put the internet to work and with a little effort
it's easy to find cheap auto insurance quotes that can save you
money right now, here's how...

Compare quotes

Only by shopping round for competitive insurance quotes can you
find cheap auto insurance quotes. Most people don't bother or
compare just 2 quotes with little thought to the factors
insurance companies base their prices on.

Cheap auto insurance quotes aren't necessarily the best, it's
more involved than comparing the bottom line. The manner in
which insurance claims are processed and approved is an
important consideration as is the speed that claims are settled.

The manner in which an insurer deals with you both verbally and
in writing is important, they should be easy to contact,
courteous and willing to help. Remember that following an
accident you are likely to be in a state of stress and the last
thing you'll need is a company you can't contact and doesn't
take a personal interest in resolving your case.

Deductibles can save you money...

A higher insurance deductible equates to cheaper auto insurance
quotes, when a claim is filed you will be responsible for the
first $X's, the deductible, and the insurance company pays the
balance. The choice you have to make is between a lower
deductible with a higher premium but less out of pocket expenses
if a claim is made or a higher deductible with a lower premium
but higher costs to meet if a claim is made. It's a choice that
only you can make but if you want a cheap auto insurance quote
increasing your deductible from $200's to $1,200's will give you
significant savings on your insurance premium, but there are
risks...

Choose the highest deductible you can afford should the worst
happen and enjoy the savings from your reduced premiums.

So select the maximum you can to pay--the higher the better
because the difference in your car insurance premiums will mean
more cash in your pocket. Ask for a discount

Another favorite saying from my Grandmother was "If you don't
ask you wont get" and that is so true, unless you ask they are
very unlikely to offer additional discounts, there are many
reasons why they may and I have outlined some important ones
below...

Your existing insurance company probably offers lower rates to
new customers and they might be persuaded to offer similar rates
to keep your business.

Multi line discount is often on offer if you insure both your
home and auto with the same insurance company.

Good driver discounts are offered if you have not had an
accident or ticket in a long time

Installing car alarms and tracking systems is seen as reducing
the risk of theft and most insurance companies will pass the
savings to offer cheap auto insurance quotes.

Low mileage discounts are available if your average mileage is
typically less than 40 miles per day you will be offered a cheap
auto insurance quote.

You car makes a difference

A less desirable auto is less likely to be stolen and usually
attracts a cheaper premium. Comparing rates between cars before
buying might force you to reconsider your options if there is a
notable difference between premiums, choose the insurance before
deciding on your new car.

Finding cheap auto insurance quotes isn't difficult when
comparing quotes online, in less than 5 minutes you can save
hundreds of dollars off your annual premium, armed with the
knowledge and the will to do so cheap auto insurance quotes are
easy to find.

About the author:
John Buckle has compiled information on finding cheap auto insurance
quotes at http://www.autoinsurer.info auto insurance tips
and a searchable database of auto's for sale.