These days finances are top of mind for everyone. With the way the economy is going, and how many people are underwater with their mortgages, finances are especially tight these days before one even considers how tough it is to find a job amidst so many layoffs and downsizing in corporate America. With that in mind, many people are focused on looking at their personal finances very closely for any way to find savings – by going without luxury goods or trimming the fat and excess off their necessities.
Unfortunately, auto insurance is one of the latter – it is required in almost every state. The good news is that auto insurance is a commodity good – beyond the features like deductible and amount of damage insured for, and a few other features, one policy is the same as another car insurance policy from another provider.
Thus, the discerning and price-conscious shopper can find affordable car insurance by doing proper research and comparing plans properly.
The first step of shopping for auto insurance is to figure out how much is required for your state. Afterward it is necessary to get multiple quotes from various car insurance providers. These companies will compete for your business because they know their policies are just the same as that of their competitors, beyond customer service.
With that in mind, be sure and do lots of research on local car insurance agents to make sure they are rated high for customer service – if you end up in an accident, you want to make sure your agent will be there looking after your best interests in a courteous and helpful manner.
Once you have isolated the best few car insurance companies that have the customer service you are looking for, you are welcome to shop almost entirely on price. Make sure you take into account the same policy features (deductible, insurance amounts and types of coverage, etc) and then pick the policy that has the best price.
Hopefully you can establish a long term relationship with your agent and qualify for discounts based on a good driving record, good grades, and other factors that influence your auto insurance rates.