Searching for the best possible rates on car insurance doesn’t have to be a life altering decision. With a little preparation and ground work, the best rates are only a click away. Throw in a some research and you too can find the best rates you have ever paid.
I tried many sites to get a better rate. In doing so, I found my best information to search as an informed consumer. It came from utilizing an umbrella policy. An umbrella policy is when you insure your auto and maybe your life and homeowner’s policies as well. It gave me the advantage to not only reduce my overall auto insurance costs but also to make only one payment. It reduced my auto policy to only $70.00 per month for a brand new car with two teenagers of driving age in my home. It also allowed me to increase my coverage amounts to the highest possible coverage, thus protecting my assets.
Some important tips I learned about and used when shopping for auto insurance included:
- Knowing what was on my household members driving record. This is especially important since I have teenagers of driving age in my household. While they have their own insurance they live in my household, and it’s assumed they have access to my auto.
- Knowing my credit score. Most insurance companies utilize your credit reports when offering you the quotes. This could lead to having a bill larger than the original quote. A big fact that I was unaware of prior to my research.
- Understanding safety points in my auto. Does your car have airbags, if so how many? Does it have an anti-theft device? Are the windows etched in case of theft?
- Potential savings for driver safety courses. Most insurance companies’ offer discounts if take a driver’s safety course. You do not need to have any points, accidents or moving violations in order to take a safety course. I saved 20% on my bill for three years by spending eight hours in a driver’s safety course. Check your local library, that’s where I found my class.
These tips saved me a lot of time and questions when it came to applying for the best rates. I am now more prepared than ever to handle comparing and shopping for the best auto insurance rates in the future.