Tips For Finding Discounted Car Insurance Rates

Car owners throughout the nation frequently ask how to find discounted auto insurance. In fact, tips for finding discounted car insurance rates are extremely valuable and much searched for, by those looking to keep more of their hard-earned money in their own pockets. In today’s economy, that includes just about everyone.

Tip #1 – Shop Around

In order to find discounted car insurance rates, it is essential to shop around and get as many quotes as you can. Most experts recommend getting no less than 3 quotes from different companies, however in reality many more is even better. Every company has slightly different criteria for rate setting; therefore premiums can be very different from one insurer to another. The more prices you get, the higher your chances of finding discounted car insurance rates.

Tip #2 – Compare Quotes

It is important to compare all the quotes you receive, not just on the basis of price, but on coverage limits, customer service and the financial stability of the company. Getting a deeply discounted price from a company that goes out of business within months or cannot pay out claims is useless. Compare the fine details of the quotes carefully to be sure there are no unusual exclusions or limits on the policy, especially if the quote is much less expensive than all the others.

Tip #3 – Get All The Discounts You Can

Getting discounted car insurance rates is all about making sure you have all the discounts you can possibly get on your plan. Companies offer a wide variety of discounts to appeal to many different types of customers and to reward behavior that tends to put customers at lower risk for claims. Therefore, after you’ve gotten quotes, remember to ask about such discounts as the following:

– Good driver discount
– Economy car discount
– Low mileage discount
– All drivers over a certain age
– Good student discount
– Being a member of certain groups, organizations, alumni or credit unions
– Having certain safety features on the car you drive
– Good insurance history

Often during the quote process certain information may be missed that could save you even more on your car insurance. So be sure to specifically ask agents if you have received all the discounts applicable.

Now that you know how to go about finding discounted car insurance rates, it is time to get started. The most effective, efficient and quickest way to get a variety of quotes from different insurers is by using a free online quote tool. You simply input the data requested by the quote tool, such as:

– The region where you live
– Driving records for all drivers
– Claims history
– Information about the car
– The use of the car