If you want to make your auto insurance premium more affordable, do not pay attention to any of the car insurance ads because there is no car insurance company, which will always give out the very best car insurance.
There is a good chance that you have heard from the Gecko or Flo. Maybe you have also had that Safe Auto sound stuck in your head. The car insurance company, that is advertising, wants you to shop only with them, which is the opposite of what you should be doing.
Car insurance premiums can differ by $1,000. It all depends on what insurance company you go to.
If you go to your local state insurance site (you can find it by first going to NAIC or searching for your state name plus the word, insurance, in Google) you may find (some sites do not have this) a survey, which gives rates for hypothetical drivers from your local auto insurers. The reason your government went out and got sample rates was not to find the insurance provider with the best premiums, but to encourage you to shop around for auto insurance.
Although you can compare car insurance quotes online, they do not save you as much on auto insurance as you think they do. Some of the lowest premiums you may not see while using these sites because the lowest priced provider does not pay commission to these sites. Also, the real price from some insurers is lower if you speak to them directly.
Although looking for quotes online can save you time, nothing beats speaking to an insurance expert face to face. If you speak to a local independent agent, the agent will assess you and connect you with the best insurance company. Your local independent agents can be really valuable if you have a special situation, such as insuring a young adult.
If you go to the car or auto insurance section of your business directory or Yellowpages you’re going to see a long list of agents. If the name of the agent is something like Best Deals Car Insurance, the agent is likely to be independent. If, however, the name is something like Ian Michaels-State Farm Insurance, it is an agent who can give you a quote from one company.
