Don't assume that all insurance companies have the same prices. Insurance companies have certain guidelines imposed by the state they're in, but they have a lot of leeway to interpret their auto insurance rates. Because of your particular record, the car you drive and other variables, the cheapest car insurance for someone else, like your parents and neighbors, might not be the cheapest for you.
You can do a lot on your own to make you eligible for the cheapest auto insurance available and that doesn't mean call every agent in the book for a quote (that part comes later). The best way to get the cheapest auto insurance available is to be a good driver.
A single traffic ticket can raise your rates 10%. That means slow down, pay attention, and keep yourself out of trouble and you can be rewarded for your good behavior. This reward can mean hundreds of dollars in discounts each year.
To get the cheapest automobile insurance prices, you have to continuously demonstrate that you are a safe driver. The insurance company needs to make money to stay in business, so they know that you're going to be an expense them, they're going to charge you more. It's as simple as that.
The insurance company is probably not going to volunteer to give you a lower rate. So don't hesitate to call and ask what you might be eligible for. Things change with age, driving record and family situation, for starters. You might also be able to get a better deal, if you have your home insurance with the same company. Many of them like the bundle different policies together.
Now you know what you can have, so shop around. Every company is different so it pays to obtain quotes from several different companies and see which is best for you. Ask about coverage discounts and how your rate could change with a different deductible. Safe drivers who rarely need to make claims can usually get by with a higher deductible rate. That way both you and the insurance company are betting on your good driving record.
You can't afford to just sit around and wait for your insurance company to lower your car insurance rates. They will probably conveniently forget until you remind them that you should be paying less. Spending an hour, a year researching automobile insurance rates on the Internet could save you a bundle of cash. That's even better than getting a raise, because you don't have to pay taxes on it.
