How to Find the Lowest Car Insurance Rates For Safe Drivers
It is safe to say that auto insurance rates vary greatly from company to company, even for customers with comparable driving records, ages and other factors that are used to calculate rates. The fact of the matter is that the vast majority of insurable drivers out there are likely paying more than they have to pay and could be getting a much cheaper rate if they spent a little time comparison shopping. This is especially true if you are a safe driver and have the driving history report to prove it.
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Instructions
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1
Have in hand a copy of your vehicle title and a current driving history report. If you know that you have nothing on your driving history report, then you may omit this step. Have your vehicle's mileage on hand as well.
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2
Use a search engine to find a car insurance comparison site, such as www.insurance.com or www.onlineautoinsurance.com/compare/. Many of the big-name insurance companies will automatically compare the quote they generate for you with approximate quotes from several of their competitors. Companies such as Progressive (www.progressive.com), allow you to compare rates right on their websites.
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3
Fill out the online forms; be as specific as possible as inaccuracies in your answers can make your quote invalid. Make sure that you are on secure web pages if you are entering private personal information.
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4
Print out confirmation information or write down quotes and/or confirmation numbers for quotes you are interested in so that they can be retrieved.
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5
Repeat steps 2 through 4 using multiple comparison sites and auto insurance sites until you have found your desired rate and coverage features that you desire. This is can be a time-consuming and repetitive process, but it is important to remember that putting in the time to find the right insurance can save you money later.
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6
Purchase an insurance policy online (if possible), or call or go into local agent's office to purchase the policy.
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Tips & Warnings
Be wary of any policy that is substantially lower than others with comparable coverage. Before submitting (or even entering) your personal, private information on a website, check it for the lock symbol and/or https to ensure that it is a secure site.
Most states require that you have insurance to operate a motor vehicle; do not allow your insurance to lapse while looking for a new, less expensive policy. Also, you are required to carry proof of insurance with you at all times, so when you purchase a new policy online, make sure that the website offers printable policy documents and that you are equipped to print them out if you purchase a policy.
