If you want to save money on your car insurance, keep in mind that there is not one company out there that will always give out the cheapest quotes. Although there are many commercials from insurers saying that they are the best, this is not the case.
You have likely seen Progressive’s Flo and Geico’s famous Gecko. Yes, both Flo and the Gecko are very admirable. Despite this, you should keep in mind that they were created to make you want to shop with only the advertising insurer.
Auto insurance quotes can vary by hundreds (sometimes over a thousand) of dollars. The price you get depends on who you ask. The more you ask, the better.
A lot of state insurance websites (which you can access from the NAIC site), have surveys, which provide rates from your local car insurance companies. These surveys are made not to find out which insurer provides the best rates, but to make you realize that the best way to save money on insurance is by shopping around.
Online comparison websites may not be as great as you think they are. The prices that you get from these sites may not be accurate because the more direct contact you have with an insurer, the more discounts you can find out about and take advantage of. Also, some of the lowest prices will not appear because these providers do not pay these comparison sites anything.
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 insurer. Your local independent agents can be really useful if you have a unique situation, such as insuring a teen.
You can easily find an independent agent in your area by going to the auto insurance section of your Yellowpages or business directory. If the agent or agency name is something that is not familiar to you (such as Sunshine Auto Insurance), you are most likely looking at an independent agent. If the agency’s name is something like Adam Bryant-All State, you can get car insurance from only that single insurer.
