Apparel | Arts | Automotive | Business | Communications | Computer | Education | Electronics | Employment | Entertainment | Family | Financial | Fitness | Food | Games | General | Gifts | Government | Health | Home | Internet | Kids | Pets | Professional | Recreation | Reference | Science | Shopping | Society | Sports | Travel
Auto Insurance Companies
Is it Possible to Get a Cheaper Quote from Auto Insurance Companies?
Everyone likes to save money, especially when it comes to dealing with auto insurance companies. Finding that cheaper quote to save a few hundred dollars every six months is a dream come true for most families, and as the economy seems to be shifting, so may your insurance rates.
2006 Auto Insurance Pricing Report
Each year, auto insurance companies have an opportunity to check themselves when insurance.com releases its bi-annual Auto Insurance Pricing Report. The document shows, on a state by state basis, how the year's average quotes compare to previous years. While this guide is by no means a scientific document, it can certainly help to reveal industry trends, and over the past two years, it has shown a steady decrease in rates from auto insurance companies across the board.
What If I'm Not Seeing A Difference
If you don't see that difference reflected in your premiums, there are a few things you can do to attempt to lower your rates. First, don't be afraid to check with other companies. Even if at the end of the process you choose to stay with your current company, it never hurts to get a free rate quote from the others on the market today. Moreover, it can be easier than every to check prices, as free rate quotes are available from dozens of larger auto insurance companies online day and night through a variety of services, which can save you time. If you're not interested in shopping the rate quotes from other companies or you already have without any great results, there are still a few other things you can do. First, if you have an agent, talk to him or her about ways to lower your rates. They may have some really good suggestions for you. Perhaps raising the deductible you would pay in case of damage to your vehicle might do it. If you're thinking of investing in another vehicle anyway, maybe finding one without such high rates would help. If you have student drivers on your policy, look into discounts. If you use more than one auto insurance company, consider combining policies. Your agent may be able to tell you about these options and more for lowering your insurance rates.
Are There Reasons I May Not Lower My Rates?
Let's face it – not everyone is going to get cheap auto insurance. If you've had a problem driving record in the past, no auto insurance company is going to offer you the cheapest rate on the books. This can include multiple accidents, speeding tickets, or DUI offenses. Auto insurance companies may have a problem lowering your rates if you've had claims in the past several months due to things like weather damage or other events outside the driving realm. In general, companies will only lower your rates if you're a safe driver who makes very few claims.
We all have to have auto insurance companies in our lives, but it never hurts to see if they can be a part of your life at a slightly cheaper cost.