Have you ever seen that travel agency commercial when the two guys compare notes about the cost of their plane tickets? One pays half the price of the other for the same ticket. It’s no surprise he ended up getting disgusted, because they were going the same place and virtually sitting next to each other. This is how you have to look at really cheap car insurance.
While there are differences in customer service, different amounts of coverage and different deductibles, basic car insurance is pretty much the same no matter who sells it to you. Most companies have you call a toll free number if you have a claim and the days of the agent helping you negotiate through wrangling with adjusters is finished. You and a voice on the phone solve the problems faced when you need service.
Doesn’t it make sense, if all things are equal to purchase really cheap car insurance as long as you don’t reap any benefits from a local agent? The scenario is similar to the man that paid too much for his airline ticket, there’s no reason for a higher price except for reluctance to take a minute away from the latest email and secure a quote.
What it comes down to is even the insurance companies have salespeople. Instead of working something out with someone over the phone, you can eliminate this problem all together by simply securing a quote online. Just remember you should still do your research and make sure the insurance company you deal with is reputable. The best way to do this is checking your state’s Department of Insurance.
The first thing to do when getting a quote online is providing all the same details as your current policy. This is extremely important; because if you have the smallest difference, it can your premium won’t match up correctly. In turn you won’t know if you’re getting cheap auto insurance or just wasting your time.
There is no button to wear or banner for your car announcing “I paid more for my auto insurance.” So why would you want to do it. Instead, divert your savings into something more attractive, fun or practical.
Keep in mind, it’s just not accident claims that companies keep track of on your account. They also look at anything that was covered by your auto insurance. Maybe your car broke down a few times and they paid for the tow. The good news is if you go with a new company, they won’t have records of your towing claims. Best of all, they won’t ask for them either.
Once you find how easy it is to buy really cheap auto insurance, you’ll want to compare rates more frequently, but normally every two years is enough. You don’t have to wait for your next premium to find out if you’re paying too much. Find a site and put in your information, you’ll be amazed at how much money you can save.