The best way to find the cheapest auto insurance company is to contact a number of companies for quotes and see who offers the lowest prices. You’ll quickly find out which companies that bragged in ads about having the cheapest insurance were telling the truth and which were hoping customers wouldn’t spend time making comparisons.
Compile Names of Automobile Insurance Companies
The way to find the cheapest auto insurance company is to get a list filled with at least three to five companies that claim to be the cheapest. Once you’ve completed the list, relying on recommendations from friends and family or ads in the newspaper or phone, it’s time to get quotes from each of the companies. What’s most important here is that you offer the same information to each of the companies as you complete the questioning for the auto insurance quotes as to how the car insurance rate is determined. The companies will use the answers to your questions to help determine your rating, which is part of the process of coming up with a price for the insurance policy. Make sure the information you provide about yourself, the vehicle to be insured, and the coverage levels in the policy are identical from company to company. That’s the only way to ensure a fair comparison.
Compare the Quotes to Find the Cheapest Auto Insurance Company
Make sure each of the policies is based on the same information. Check to make sure the deductibles are all the same, as well as the liability coverage and other major sections of the policy. Look to see if there are any potential discounts that may not be in the policy. The companies will apply discounts based on the information you provide. It’s possible some discounts you qualify for may not be included. Some common discounts include savings for multiple policies, if you park in a garage overnight, for safe vehicles, low mileage, driving safety classes, teens with good grades, senior citizens who do not work, and safe vehicles. Ask the insurer about any discounts you think may have been excluded.
Is the Cheapest Automobile Insurance Company Also Reliable?
Now that you have a quote that appears to beat all others, make sure that company is one you can trust. Check with the Better Business Bureau and your state Department of Insurance for any information about the number of complaints and whether the company properly addresses those complaints. A check with A.M. Best will give you information about the financial stability of the company, both in the short-term and long-run. Also visit J.D. Power, which compiles rating information on companies based on the opinions of current or former customers. Before you hire the cheapest auto insurance company, make sure the company is trustworthy and have a hint as to how much insurance is enough.
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