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  • Posted February 27, 2020

How to Shop for the Cheapest Car Insurance

Finding the right auto insurance means something different to everyone, but we can all agree that the right price is one of our top priorities. Your car insurance rates are affected by a variety of things, including your age, your driving record and even your credit score. In order to make sure you’re getting the best deal on your auto insurance, here are three steps to take to make the most of the buying process.

Get Multiple Quotes

Insurance rates can vary among providers by hundreds of dollars. Rather than lowering your limits to get a good deal, check another company and see if you can’t get the same level of coverage for a lower price. Comparison shopping allows you to compare not only costs but also coverage. Take a close look at each company’s offerings, including their optional add-ons and customer services. Make sure that you request a personal quote from at least three different providers. It’s best to choose at least two major providers and one smaller, local insurance company.

Look for Discounts

There are discounts available for your car insurance. Discounts can come from covering multiple vehicles, paying your insurance premium in full annually rather than paying incrementally, setting up automatic payments from your bank account and even buying other policies from the same company. Often, you can save on car insurance by bundling your plan with other insurance policies from the same provider. Many companies that offer bundling discounts can get you a better deal on all of your policies. Whether you’re combining auto coverage with your homeowner’s policy or your life insurance, bundling can be an easy way to save big.

Don’t be afraid to ask how you can save. Although many companies automatically check if you’re eligible for discounts, some may not. It pays to be proactive, especially when it comes to your insurance coverage.

Shop With an Independent Agent

An independent car insurance agent can get you multiple quotes at once from both national and local providers. Using this type of broker is a great way to define your needs and find a provider who is equipped to meet them. Independent agents are usually experts who can answer all of your questions about auto insurance, legal requirements, and benefits.

Although tiring, the quest to find the perfect auto insurance policy has a major pay-off. This means it’s important to carefully search for the best deal. The money you save along and the peace of mind you’ll have behind the wheel will make your search worthwhile.