Speedy Auto > Auto Insurance > Tips >  

Finding Cheap Auto Insurance From an Independent Agent

In these difficult economic times, finding value for money auto insurance rates has become more important than ever before. Fortunately, providers of auto insurance recognize the financial problems that people are facing and are offering a great selection of affordable auto insurance packages. The biggest innovation in shopping for auto insurance is knowing that the power is in your hands. Instead of just blindly going with the same policy year in and year out, you can find ways to ease your financial burden by tailoring your auto insurance to fit your needs.

Simply continuing to renew your existing insurance policy is the easy way, but easy and best are far from the same thing. If you want the best, and cheapest, insurance policy, then you need to put a little more effort into finding it. Shopping for insurance and signing up online may save you time, but it can actually end up costing you money in the long run. In most cases, the policies offered online are standard, cookie cutter entities which give you coverage but do not necessarily take all of your specific needs into consideration.

Finding the right auto insurance policy for you is not a complicated process though, especially if you enlist the help of an independent agent. By doing so, all of the stress and hassle will be left to them. You just have to tell them what you want, and then they will do the rest. For many people, just finding their way through the maze of car insurance policies can be a daunting task, and an independent agent can take the worry out of the job by doing the legwork for you. Since an agent will be more aware of the ins and outs of the insurance industry, they will be more likely to find good deals than you would on your own.

By contacting an independent agent, you can give yourself more options, as most agents are aware of potential discounts that may apply to your policy. They will know if there are local discounts, discounts for students or discounts that you could get through membership in various groups. They also may be aware of ways to cut auto insurance prices for drivers with good records and other similar exemptions. Another benefit of using an insurance agent, as opposed to using an online insurance website, is that they can offer advice on bundling your various insurance policies together. Normally, you can get significant savings by, for example, adding your car insurance on to your existing home insurance policy.

As a final point, there is no need to be concerned about whether or not an independent agent will pass all the discounts and savings on to you, and if they really will get the possible price for you, as most will offer to price match. So, you can look around online for the best possible rate, and then ask your local agent if they can beat it. If they can, then great, and if they can not, then you have lost nothing by asking.