Auto insurance quotes and tips

Car insurance is another major expense associated with owning a car, but there are way to save on car insurance too. Don't assume your current insurance company gives you the best rate, shop around, check quotes from different companies. I shop around for auto insurance every year when my current policy is about to expire and I have already switched between three different insurance companies in last five years. As a result, I pay less than a half of the insurance premium I paid few years ago. There are plenty of insurance companies that compete against each other, and we can use it to our benefit. It takes just few minutes to get the quote online. Here are few websites where you can receive car insurance quote online:

US Online Auto Insurance quotes:

• GEICO according to their website, GEICO is the fourth-largest private passenger auto insurer in the United States. You can get an insurance quote online.

• Insurance.com - online insurance quotes from multiple providers.

• Electric Insurance Company check an insurance quote online.

• 21st Century Insurance Company online quotes.

Canada Auto Insurance quotes:

Auto insurance tips

- Before buying a car get the insurance quote for the model you intent to buy; insurance costs may vary a lot between different cars and even between different models of the same car.
- Shop around, get quotes from as many insurance companies as you can, rates vary between different insurance companies.
- Consider higher deductible - the amount you pay from your pocket before your insurance will pay should you have a claim.
- If you have a low value vehicle, consider to drop comprehensive and (or) collision coverage; If you car worth just $1500 - $2000 it makes more sense to buy another vehicle rather than repair the old one.
- Ask for all possible discounts available - some insurance companies may offer you a discount if your car has certain safety features such as Anti-lock Brakes (ABS) or anti-theft devices like an alarm system or an immobilizer.
- Some insurance companies offer discounts if you insure other things such as your house with the same company.
- Not all insurance companies offer the same level of service. Choose a reputable company, there is a web site where you can check ratings of various insurance companies. Follow this link A.M. Best - The Insurance Information Source. Ask your friend and relatives what is their experience with particular insurance company.
- Shop around for an insurance quote every time before your current policy is due for renewal - your current insurer no always offers you the best rate. Insurance rates vary between different companies. It's very possible that other insurance company will offer you lower rates if you switch. I shop around every year and have switched my insurance few times over last five years, which allowed me to get substantially lower insurance rates.
- If you are planning to move to different place, check the insurance quote for that location first, the insurance rates may vary depending on where you live and how far you drive to and from work every day.
- If you found another job that requires you to drive less to and from work, call your insurance company, they may offer you lower rates.
- Avoid traffic tickets, your insurance premium may increase substantially as a result.
- And finally, and most importantly, drive safely, so you will never have to use your insurance.

by Vlad Samarin