compare auto insurance rates

How to Compare Car Insurance Rates to Get the Best
Executive Summary about compare car insurance rates by Brian Stevens and Stacey Schifferdecker

Insurance rates for the same coverage can vary by hundreds of dollars from one company to another. But you can easily compare car insurance rates so you know you’re getting the best price.

Find the Best Rates on the Internet

By visiting an insurance comparison website, you can quickly and easily get rate quotes from numerous A-rated car insurance companies. On the best comparison websites, you can even talk with insurance professionals online or by phone and get answers to all your car insurance questions. When you visit an insurance comparison website, you type in your vehicle and driving information on one form.

Best Rate With the Best Company

Once you have your quotes, you need to choose an auto insurance company. Some ways to check on the service record of insurance companies include the following:

* Check each company’s website. * Find out if the company offers an “800″ number you can call if you have any questions or problems. * Evaluate each company’s payment policies. Do they offer payment plans with no penalties? Do they offer online payment options? * Check your state’s Department of Insurance website to see how many complaints have been lodged against each insurance company.

* Check the ratings for each insurance company with J.D. Power and Associates (jdpower.com), A.M. Best (ambest.com), or Standard & Poors (standardandpoors.com).

By taking these extra steps, you’ll know that you’re not only getting the best rate for your car insurance, but you’re also choosing the best car insurance company.

Compare Car Insurance Rates the Easy Way
Executive Summary about compare car insurance rates by Brian Stevens

The best way to get the cheapest car insurance rate is to compare car insurance rates from a number of companies.

Compare Car Insurance Rates

Now, thanks to the Internet, comparing car insurance rates is a piece of cake.

Because rates can vary by $1,000 or more from one company to another, you need to go to an insurance comparison website where you can get quotes from a number of car insurance companies.

Not only can you get multiple rate quotes from these sites, some of these sites offer money-saving tips in their “Articles” section, and provide an online chat feature and toll-free telephone service so you can get answers to your questions from an insurance expert.

Get Car Insurance Discounts

Raise your deductible – Depending on how high you raise it this can save you 30% to 50% on your car insurance premium.

Consolidate your insurance – Buying your car and homeowners insurance with the same company will save you up to 15% on your premium.

Install security devices – Outfitting your car with a burglar alarm or other theft-prevention devices can get you a good-sized discount.

Eliminate unneeded coverage – Consider eliminating your comprehensive and collision coverage if your car is more than five years old, or if the cost of your annual premium is the same as the value of your car.

Compare Car Insurance Companies

Once you’ve chosen the best quote, you’ll want to make sure the company is reliable and will pay your claims. 1. Your state’s department of insurance website will show you how many complaints have been lodged against an insurance company.

2. J.D. Power and Associate’s website (jdpower.com) will give you consumer ratings.

3. The A.M. Best (ambest.com) website will give you a company’s financial and credit ratings.

Check out other guide on auto insurance quotes.