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Wednesday, September 15, 2010

Tips on Auto Insurance Quotes




If you want to make the most of the money that you have, you should take a look at the car insurance that you are paying. Many times, as your life changes, you will find that you could have been saving money if you had looked around more often at other auto insurance quotes. You spend a lot of your hard-earned money on your car insurance, so it pays to look around and see if you can save some money. Here are some tips on getting quotes and when you should look.

1. Just Do It

Every year, car insurance rates go up down, sometimes by hundreds of dollars! This is why you need to compare rates from different companies often, because you don't want to be paying more than you need to. Yet that raises the question: How often is enough?

After certain life events, it's a good idea to compare some quotes. If your unhappy with your current company or your premium goes up, it's time to compare. Whenever you move, buy a new car, add a new driver, have in increase in assets or salary, or your marital status changes, you should check other companies' prices. If it's been 2 years since you last looked, check the rates.

Don't put off checking on new rates. Check as soon as something changes.

2. Prepare to Get the Quote

It's very easy to get a quote on car insurance. If you have everything that you need, you can get a quote in as little as seven minutes from a company's website. Sometimes it takes even less time.

In order to get a quote you need to have the Current Insurance Declarations Page, year, make, model, and VIN number of your cars, how many miles you drive annually and the distance to your workplace, how much any aftermarket or custom equipment is worth, and the type of any theft recovery or alarm devices. You will also have to provide information about every member of your household who is old enough to drive, including their name, occupation, gender, how many years they have held a license, and their Driver's License number. You will need to include information about violations or accidents from the past three years. Include the dates, who's fault it was, whether or not someone was hurt, and how much the claim was.

3. Get What You Need

Before you start looking at quotes for new auto insurance, you should first look at the insurance you currently have. Make sure that your current policy offers you the protection level you want, or at least what you need. To lower your rate, you can increase your deductible. You might want to increase the liability limits on your policy so that it will cover a new income level or a new home. If you own an older car, it is important to find out what the car is worth. Sometimes you can save money by dropping the collision coverage on older vehicles when the insurance costs more than the vehicle is worth.

4. Check for Discounts

Different car insurance companies offer different discounts. If you have more than one car on the policy or you have safety features like anti-lock brakes, most companies will give you a discount. You might also see discounts for completing defensive driving courses or having a young driver who has taken driver's education courses. For the best quotes, you should always ask for discounts because most of the time they won't just offer them to you.

5. Compare

Make sure you compare the quotes that you receive. While the previous tips can help you get the best quotes for your needs, you need to shop around. Get quotes from at least three companies and compare everything – the price, the services offered, features, customer service, how easily you can talk to someone, and so on. You might find that it is worth it to pay a little more for better service. This way you can be sure to get the best rate.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! http://www.manlyauto.com/ We also can be found on Twitter and Facebook. Stop on over and visit us!

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