How to Get Low Auto Insurance Quotes


Finding a great car insurance company can be tricky, at best. While some have reputations for being great with their clients, others are known for having notoriously low rates. Your best bet is to look for a company that offers not only low auto insurance quotes but great customer service at the same time.

Understand the Type of Driver Insurers Look For

Finding a low auto insurance quote means understanding exactly what type of driver an automobile insurance company is really looking for. Insurance, for the companies offering it, is all about risk. They’re going to look at your credit history, previous insurance payment record, and your motor vehicle report in order to determine what type of person and driver you are. The more responsible you are, the less risk you pose. If you are a low-risk driver your rates will automatically be reduced.

Answer Questions Honestly

No matter what company or agency you are working with, make sure you answer all of their initial questions as honestly as possible. Trying to hide an accident or violation may get you low auto insurance quotes upfront but once the company uncovers your deception you’ll either get a higher quote or they’ll refuse to give you a quote at all. Even worse, they may even refuse your claim when you experience an accident leaving you liable for the total cost!

Consider Modifying Your Coverage

Always ask for an apples-to-apples quote first (quoting exactly the same type of coverage you already have) but don’t be afraid to consider modifying your coverage if you are having trouble finding low auto insurance quotes. Some of the most common cost-reducing modifications include:

  • Raising the deductible on comprehensive and collision coverage. The higher your deductible, the lower your upfront premium – but you will have to pay a higher amount out of pocket if you have an accident.
  • Dropping comprehensive or collision coverage on old vehicles with a very low blue book value.
  • Combine your automobile and homeowners insurance together with the same company for extra multi-policy discounts.
  • Pay your premium for the year upfront. Many car insurance companies offer extra discounts for doing so.

Obtain Quotes Online

One of the best places to find low auto insurance quotes is on the internet. Most companies recognize the need to remain competitive in today’s market and are willing to let consumers obtain cheap basic car insurance quotes and compare their rates to other carriers.

We provide our visitors with a number of options when it comes to seeking online insurance quotes. You’re guaranteed to find a low auto insurance quote from multiple insurers in your area. Just remember, the lowest isn’t always the best. Do your homework and you’ll end up with great, affordable coverage from a reputable company!

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