By taking the time to shop for and compare auto insurance quotes, you can find the best policy that is right for you, and many times you can lower the cost of your auto insurance coverage.
Many drivers see auto insurance as a necessary expense, but one that is distasteful to them. When asked if they’d pay for auto insurance if it wasn’t required by law, some admit that if they didn’t have to pay for auto insurance they’d save themselves the money.
The truth is that given the right insurance, in unexpected circumstances it can be very beneficial to have paid those insurance premiums every month. Auto insurance can provide financial protection and help prevent severe financial hardship in the event of an unexpected accident.
Shopping around and getting auto insurance quotes from several companies can allow you to compare the companies, their policies, and the cost of their premiums. In order to effectively do this though, you need to have enough information to make a real comparison between one set of auto insurance quotes and another.
This information can help you make sure that you get the coverage you need from a good company at the lowest rate.
So what should you do to make sure that you get the most accurate auto insurance quotes available? Here are some suggestions from experts:
Auto insurance quotes take into account the types of coverage you select, the amount of deductibles you’re willing to pay and a number of other factors when figuring your premium. In order to accurately compare a number of quotes, make sure that each quote you request is for the same options on your policy.
Whether you’re comparing quotes online through a web interface or over the telephone, the amount that you’re quoted will be affected by where you live, how far you drive to work each day, how old you are, who else may drive your car, as well as a number of other factors.
The more information you can give when you ask for a quote, the more accurate the insurance agent can be with his estimate. The opposite of that holds true, too the less information you give, the more general the quote will be. If there is any question, an agent will usually quote you a higher rate.
When you’re gathering quotes for auto insurance, be sure to ask directly about safety feature discounts and safe driver discounts that may apply in your situation. Then you can be sure that they are included in your quotes.
What is the difference between collision coverage and comprehensive coverage? How can raising your deductible lower your insurance costs? What will replacement transportation or glass coverage cost, and is it worth it for you? Researching the answers to these questions and knowing which options are included in your auto insurance quotes will make it far easier to decide which is the best policy for you.
Most people, once they have an auto insurance company, simply just let their current policy renew and renew without checking to see if maybe they can get a better deal somewhere else. If that describes you, maybe you would look into exploring your options if you knew how and painless it really is. This article will show you just how easy the process is.
Shopping for a new auto insurance company
The easiest and quickest and as a result the most painless way to shop for auto insurance is to go on the internet. Many companies can give you quotes 24/7 on their websites. You can also get contact information for a particular auto insurance company on their site and call them up on the telephone. When considering switching companies, the first thing to do is to get comparison rate quotes from several
You do want to be very truthful about all your information so that you can get accurate quotes. The company will find out about any accidents, claims or traffic tickets anyway, so don’t try to hide anything. Also, when you get comparison rate quotes, make sure you compare the coverage you have with your current auto insurance company to what is available with any new company so that you can make a comparison that makes sense.
How to switch
Once you have found a new auto insurance company and purchased your new policy you must cancel your old policy. If you don’t cancel your old policy the old auto insurance company could assume you wished to continue your insurance with them. They would be expecting to receive premiums from you. When they don’t receive those premiums they would eventually cancel your policy due to unpaid premiums and report your lack of coverage to the Department of Motor Vehicles of your state. This could affect your credit and your ability to get a new auto insurance policy.
Canceling your old policy is easy.
Usually, all you need to do is to inform your old auto insurance company in writing, telling them when you would like the policy cancelled. They will then send you a form to sign and return, which in effect will cancel your policy.
One thing to note
Do not cancel your policy from your old auto insurance company until the insurance is actually in effect with the new insurer. This way you avoid any lapse in coverage. However, nowadays there is little chance of that happening. Most states require all drivers to carry a minimum amount of
insurance and your old auto insurance company will probably require you to show proof of insurance before they will cancel an active policy.
When you switch is very important
The best time to switch to a new auto insurance company is when the current policy is about to expire. When you receive your policy renewal notice from your current auto insurance company is the best time to switch. This is usually about a month before the current policy is actually going to expire. It is during this period when you can switch insurers without incurring any fees or penalties.
Also, because it is so close to the end of the policy term you would avoid trying to figure out the amount of unused premium that you are due from your old auto insurance company. You also avoid arguing with your insurance agent about exactly when you cancelled and how much the auto
insurance company owes you.
But yes, you can cancel outside of the 30 day period
If after taking into account the fee or penalty you may have to pay you may find that you still would get appreciable savings. So, while it is best you switch within that 30 day renewal period, you can actually cancel at any time.
Are you ready?
That’s all there is to it. Just think of all that extra money that could be coming your way if you follow these simple guidelines.
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