Comparing Cheap Car Insurance Quotes Online

The best part about searching online for anything is that you often end up with many options to choose from. The same goes for car insurance as well. Of course this gives rise to the problem of choosing what is best for you and finding out how you can maximize value. You should keep yourself informed and scrutinize interesting offers carefully. Remember that while an insurance rate may be low it may not necessarily be the best deal available. There are such things as hidden costs – extra costs hidden in the fine print. You can only find the best deal for yourself by completely understanding the terms and conditions of the policy you are taking. For example you should check out how much it will cost you if you do have an accident. If you have a car that will cost a lot to repair then you might not want to go in for a policy that has a collision damage waiver.

The internet gives you the ability to compare different products and services. Compare the different rates being offered to you. Find out what the highest deductibles you can afford are. See which of the lower rates means lower costs for you in real terms. Check out the companies that offer you more discounts. Also find out what discounts you are qualified to receive. You will have to provide the same details everywhere in able to do this. All quotes are given to you on the basis of an online form that you need to fill out. Fill in the form with the same details for all the different companies you take quotes from. Make sure that all the details are correct. The rates that will be quoted will depend on this data that you give the companies.

Getting cheap car insurance involves looking at deductibles. Take a good look at your finances and your record as a driver. How likely are you to get into an accident? How much of the burden can you bear yourself? These are the two most important questions you must ask yourself when it comes to deciding how much you can afford when it comes to deductibles. You could just save between 30 and 50% of the insurance premium by increasing it from $250 to $1000. Basically it means you will have to pay more when an accident happens, if it does. So make sure you can handle it.

Don’t forget discounts. You may be eligible for a variety of discounts. Some of the more common car insurance discounts are:

o A discount for having a blemish-free driving record.

o One for driving fewer miles than the average number.

o Fitting an anti-theft device as well as safety features like airbags and anti-lock brakes entitles you to lower rates.

o Discounts for having been in driver education programs.

Find out how you can maximize the amount of discount you can get by contacting the insurance companies. Make sure you do all that is necessary. Take advice on cheap car insurance from professional agents, if you need to.

Compare Cheap Car Insurance Quotes

When you compare cheap car insurance quotes, you probably compare the prices of each policy you’re considering. While comparing prices many seem like the obvious way to get a cheap car insurance quote, price should only be one factor.

Once you have your cheap car insurance quotes, you need to compare them as well as the car insurance companies. There are three factors to consider when you compare cheap car insurance quotes: coverage, cost, and service.

Coverage Offered by the Car Insurance Policy

The first factor to consider as you compare cheap car insurance quotes is the coverage offered by each policy you are thinking about purchasing. There’s no point in getting a really cheap car insurance quote if the policy doesn’t offer the coverage you want and need.

Cost of the Car Insurance Policy

Now that you know about the kind of coverage offered by each car insurance policy, take another look at the cost of the policies. Do they still seem as cheap as they once did? With the kind of coverage offered by each policy in mind, does the cost of each car insurance policy seem reasonable, or does it seem you will be paying more than you are willing to pay for that coverage? Especially compared to the coverage and cost offered by the other car insurance policies you are considering?

Service Provided by the Car Insurance Company

It is time to take a look at the service provided by each car insurance company, or at least, the car insurance companies offering the insurance policies that have made your cut thus far. First, check the financial rating of the company; you can do this by asking an independent research company. Next, speak with actual agents and representatives from the company to get an idea of the quality and friendliness of the service. Finally, talk to friends and neighbors about their experiences with each car insurance company.

Top 5 Tips for Getting Cheap Car Insurance

Buying cheap car insurance is not just about getting the lowest premiums. You also need to make sure you are getting the cover and service you need. To help you find the best cheap car insurance deals here are 5 top tips.

1. Compare Quotes

Don’t just renew your insurance with your current provider. Shop around and get at least 3 or 4 quotes from different insurance companies. This will allow you to compare prices and find a better deal. You could save over 25% on your premiums by shopping around and this is easy to do online. There are a number of excellent websites that can offer you fast and effective ways to compare cheap car insurance deals from a multitude of different providers.

2. Choose the Right Cover

With any insurance product the more cover you want the more you will have to pay. If you want to get cheap car insurance you may have to compromise on cover. Insurers offer flexible policies that do allow you to pick and choose some of the elements of cover. You will need to make a quick list of the essential cover you need and be prepared to go without some of the extras if they add too much to the overall costs. Optional extras can include:

Courtesy Car – if you rely on your car for work then you may need this addition to your policy. The insurance company will provide you with a car whilst yours is off the road for repairs. However this option could add quite a bit to your overall insurance costs so only choose this if really necessary.

Breakdown Assistance – most people have separate breakdown cover these days (often provided with bank and credit card accounts) so check you are not over-insuring yourself by paying for this on your car insurance policy as well.

3. Annual Payments

The majority of insurance companies charge you interest if you pay your premiums in installments. This means in most cases you will save money simply by paying a single annual payment upfront. This is one quick and easy way to get cheap car insurance.

4. Security

You can reduce the risk associated with your car by making sure it is secure. This can include adding an alarm and immobilizer and parking it in a secure place (private driveway or garage). This can help you to get cheap car insurance deals.

5. Mileage Figures

Insurers frequently ask you how many miles you do on average in the year. This will only need to be an approximation but in general the more miles you do the higher your premiums could be. Try cutting out on any unnecessary trips and walking or cycling shorter distances. Not only will this cut down on fuel bills but it could also help you to get cheap car insurance as well.