Occasionally you might hear about people switching to a cheap auto insurance company because they called in response to a television commercial. If it sounds too good to be true, you may be right. Sometimes agents are more interested in getting the sale to meet quota than really telling you what you need to know about the changes they made in your protection.
Shopping for better rates is a good idea, especially if you haven't done it in a while. It's also good to do once you have bad stuff fall off your driving and claims records. The place you want to be at is the lowest rate possible without compromising on your coverage.
To ensure you are getting equal or better protection, have your last policy jacket with you when you shop. It is the thick notice you get in the mail with your renewal notice. In it will be the terms of your coverage and the amount of coverage you have with each benefit.
If you are searching for a cheap auto insurance company online, you can just fill out the information like you see on the policy. It makes it pretty easy to get the same type of policy when you match it up. Then you can compare what you have before and the new quote.
Another option is to take your policy down to an agent who is independent and sells insurance products for more than one cheap auto insurance company. Ask him or her to match up everything the same and provide you some quotes. It might not be instant but he or she should be able to get it done pretty quickly.
Lastly, if you call a direct company sales line, you can let the agent know you have your policy and that you want the same coverage. They will ask about the coverage and match it up for you. You could find a cheap auto insurance company this way, but don't take the first one you talk to. Write down the information and compare.
One important item to note: If you had previously been insured at state minimum liability limits, check the increase to the next level. If you have been continuously insured, you might be shocked to learn you can double your protection for as little as a couple dollars a month.
Before you decide which is going to be your new cheap auto insurance company, make sure you finish providing all the necessary information before making the switch official. Let the agent run your full reports with driving and claims and credit so that it is accurate. Then you can make a final determination if it is worth it to switch.
