cheap car insurance quote
If you’re looking for a cheap car insurance quote, there are recognized steps to take that will allow you to get the cheapest car insurance quote possible for your car and your circumstances. Many people honestly believe that auto insurance companies are doing everything they can to get them the cheapest quote possible and trust that they will. Both are correct and incorrect.
A company will provide you with a cheap quote if it is likely to make them money. That is the purpose of any company: to make money. They are not philanthropists and like any other business they exist only to make money. If they feel like they can earn more than the average share of your premium money, they’ll offer you a little back.
So if you hear of someone who has found a fantastically cheaper car insurance quote than what they were offered, it’s because their circumstances are different than yours. So what could be different? They may never have made a claim on previous policies. Perhaps their car is older than yours and they have declined collision and comprehensive coverage. Perhaps your company has an agreement with the insurance company they deal with for their fleet of cars for cheap employee auto insurance quotes. Maybe. . .
There are so many perhaps that it’s probably best to ignore the deals other people are getting and focus solely on what you can get. You should listen to their experiences with various insurance companies, such as their willingness to pay claims or their promptness in providing a courtesy car in case yours is damaged, but don’t pay attention to what they pay because their circumstances are different.
So what affects whether or not you can get the cheapest quote? What are these circumstances that can make such a difference in whether or not you get a cheaper policy than the next guy or gal? They’re basically common sense, and if you can’t figure it out yourself, then you probably don’t deserve a cheap car insurance quote.
Do you have all the car safety features installed in your car? Things like airbags, not only for you but also for your front and rear passengers? Do they also have airbags in the sides of the doors to protect you from side collisions? Do you have ABS brakes that don’t lock up when you hit the brakes, or an anti-theft alarm and a window etched with your license plates? If so, you may be able to lower your quote.
Never accept the first quote given, that’s rule number one in the cheap insurance finder’s rule book. Compare cheap car insurance and keep something up your sleeve, even if it costs you. If you agree to pay a $500 deductible, your premium cost will go down, but don’t tell them until after your initial quote, or it’ll probably be the same as if you hadn’t mentioned it. $500 may sound like a lot, but that’s your estimate of what you can pay calculated against the probability that you’ll have to pay it.
There are many other variables you can use to lower your premium, such as dropping collision coverage and going with a third party, or simply being willing to switch your other insurance to the same company, like home and travel insurance, for example. How about just buying it online? Most companies offer a discount if you buy your car insurance online.
Whichever way you go about it, a cheap car insurance quote should be easy to come by if you know the right steps to take. Ins companies will give you a big discount if they think you are less likely to make one big claim than the next.
