Shopping for Auto Insurance

By Adam McKenzie

If you want to save money on your car insurance, keep in mind that there is not one company out there that will always give out the most inexpensive quotes. Although there are many commercials from insurers saying that they are the best, this is not the case.

You are probably familiar with the Geico Gecko or Flo from Progressive. Although both characters are cute and charming, they are created for the sole purpose of you wanting to get your auto insurance from that single company.

Did you know that car insurance quotations can vary by as much as $1,000 for a year's worth of insurance?

Your state insurance website, which you can access from the NAIC site, may have a survey, which gives sample quotes from your local insurers. These surveys are created not so you know which insurer is the most affordable, but to remind you that the best thing you can do, when getting a new quote, is to shop around.

Although there are online comparison services for auto insurance, they may not be the magic sites that you think they are. Because their aim is to make money, you may not find the lowest insurance provider because that company does not pay that site commission. Furthermore, the prices you get from some companies may be lower because you have not talked to them directly and asked about eligible discounts.

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.

If you go to the car or auto insurance section of your business directory or Yellowpages you're going to see a long list of agents. If the name of the agent is something like Best Deals Car Insurance, the agent is likely to be independent. If, however, the name is something like Ian Michaels-State Farm Insurance, it is an agent who can give you a quote from one insurance provider. - 29952

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