If you want more affordable car insurance or are looking to save money on your premium, you should know that there is no one insurance company you should go to, despite the many car insurance advertisements making us want to think otherwise.
You are probably familiar with the Geico Gecko or Flo from Progressive. Although both characters are cute, they are created for the sole purpose of you wanting to get your auto insurance from that one company.
Did you know that car insurance quotes can vary by as much as $1,000 for a year’s worth of insurance?
If you go to your local state insurance site (you can find it by first going to NAIC or searching for your state name plus the word, insurance, in Google) you may find (some sites do not have this) a survey, which gives rates for hypothetical drivers from your local auto insurers. The reason your government went out and got sample rates was not to find the insurance provider with the best rate, but to encourage you to shop around for auto insurance.
Online comparison websites may not be as great as you think they are. The prices that you get from these sites may not be accurate because the more direct contact you have with an insurer, the more discounts you can find out about and take advantage of. Also, some of the lowest prices will not appear because these providers do not pay these comparison sites anything.
It is always a good idea to speak to an independent car insurance agent. Agents that are independent can analyze your situation and match you with the best insurer. For example, you may have poor credit and have trouble getting a decent quote. Because they have links with many providers, they can get you a good quote.
You can find an independent agent by looking through a local business directory or the Yellowpages. Generally, if the name of the insurance agency is one, which you do not recognize, it is independent. If the name is something like State Farm-Mark Smith you are dealing with someone who can only give you insurance from that one company.
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