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Car Insurance

Not all insurance companies charge the same rates for car insurance. You can save a lot of money by comparing prices from various companies. There are two primary ways to buy insurance, online or through an agent.  If you want to work with an agent keep in mind that some agents work only for one specific insurance company and can only sell that companies policies, these are considered "captive" or "exclusive" agents.  These would be agents from comapanies like Allstate, State Farm, Farmers, Liberty Mutual, and many others.  Other agents can represent multiple insurance companies and sell insurance from any of the different companies, these are called "independent agents" or "brokers". To find cheap car insurance you need to get quotes from at least three separate companies. The cost of insurance will vary from company to company depending on things like; the type of vehicle you are insuring, age, gender, marital status, driving record, coverage limits, and in many states your credit history. Whether you want to buy car insurance online or through an agent there are a couple of things to keep in mind. It's not your job to know what discounts may or may not apply to you so be sure and ask the person who's job it is what discounts are available. Most car insurance companies will provide you with discounts if the vehicle you are driving has anti-theft or safety features. If you have an older car, it may not make sense financially to carry collision and/or comprehensive insurance. Another big discount that may apply is if you drive each vehicle less than 7000 miles per year, if this is you be sure and point that out.

If you are thinking of buying a new car it is a good idea to check with the insurance company to see how much it will cost to insure that specific car before you purchase it. In may help in the decision if you are considering several different vehicles. 

 

Car Insurance Quotes

The fast and easy way to start saving is to start comparing.  Use our free service to compare car insurance quotes online and see how much you can save.  Just enter your zip code in the box above to see which companies in you local area offer cheap insurance.