Are you at wits end from scraping the payment together to make your car insurance payment? You have the same problem as millions of other vehicle owners. Companies like Progressive, GEICO and Farmers Insurance all claim big savings with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
It’s a good idea to price shop coverage periodically because insurance prices change regularly. Just because you found the lowest rate for SierraHD Classic pickup coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because it’s time to teach you the only way to find better rates and still maintain coverage.
If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Finding the best rates is not rocket science. But consumers do need to learn the methods companies use to price insurance differently and take advantage of how the system works.
Where can I get affordable car insurance?
There are a variety of methods to shop for car insurance, but some are less time-consuming than others. You could waste time driving to insurance companies in your area, or you can stay home and use the internet to achieve your goal.
All the larger companies participate in an industry program that allows shoppers to send in one quote, and every company then gives them pricing determined by their information. This prevents consumers from doing quote forms to every company.
To access this free quoting program, click to open in new window.
The one downside to pricing coverage this way is that consumers can’t choose which insurance companies you want to price. If you would rather choose specific providers to compare rates, we put together a list of the cheapest car insurance companies in your area. Click here to view list.
Take whichever approach you prefer, but make sure you use nearly identical coverage limits for each comparison quote. If you compare different limits and deductibles on each one you will not be able to find the best deal for your GMC Sierra 2500HD Classic Pickup. Having just a slight variation in insurance coverages could skew the results. Just keep in mind that comparing more rates from different companies helps increase your odds of locating the best offered rates.
Tailor your car insurance coverage to you
When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you might need an agent’s assistance.
- Can I drive in Mexico and have coverage?
- Do I have coverage when pulling a U-Haul trailer?
- Should I drop comprehensive coverage on older vehicles?
- What are the best liability limits?
- Am I covered if I drive in a foreign country?
- Do I have coverage if my license is suspended?
- How much underlying liability do I need for an umbrella policy?
- Do I need higher deductibles?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
