Using the Internet to find and compare auto insurance quotes is not only very easy nowadays, but it also has two uses when it comes to paying less for your car insurance. First you could just accept the best quote you find, it will probably be better that the quote you got from your regular insurance agent anyhow. Second you can use the information you have to go back to your agent and get an even better deal.
The Internet has taken all the hard work out of getting quotes from a large number of different insurance companies, the days when you had to go from office to office collecting quotes along the way have disappeared forever. You can even get insurance for private passenger vehicles entirely on line now, but if you want to save even more money, you will have call the companies and negotiate a bit harder.
What Type Of Insurance Cover Do You Need?
Think very carefully about the type of cover you need. Do you need collision damage cover for instance? If you drive a fancy European Sports car then you probably do, and you will probably think it's worth paying the extra. These cars are expensive to repair, and even if the accident isn't your fault, you will only get the other driver to pay if they have there own auto insurance - the number of uninsured cars on the roads is increasing.
Comprehensive insurance cover is similar to collision cover, it will be more appropriate for drivers of more expensive vehicles than others. One of the biggest factors has to be the deductible you choose - most companies will have a minimum, but if you are comfortable with a higher deductible, you will be able to negotiate a lower price.
We all have different insurance coverage needs, and our individual circumstances will mean that the quote you get will be entirely different from the quote I get, even though our circumstances might appear to be quite similar on the face of things. Get all your information together, and then use the Internet comparison websites to check out prices, reliability and service then draw up a list of the companies or agents you want to call by phone.
When you do call them, have everything you need in front of you and know exactly the cover you want. Give them any extra information that might reduce your quote, like have you completed an advance driving course? I always make a point of letting them know the best price I have already been quoted, the market today is extremely competitive and you would be surprised how many companies will offer you a discount just to beat their competition and get your business.
When they give me their best price I write it down and move on to the next company on the list and then repeat. I have a friend who saved over $1000 by using this technique, which in total took him a little over one hour to complete - I don't know about you, but I think that's good money for one hours 'work'!
