Cheap Car Insurance Companies - Where to Find Them

Cheap Car Insurance Companies - Where to Find Them
By Brian Stevens

You may think car insurance rates are the same from every insurance company, but in fact some car insurance companies have much cheaper rates than others. Where can you find a cheap car insurance company next time you're ready to buy car insurance? Easy – on the Internet.

Find Cheap Car Insurance on the Internet

The Internet lets you easily compare car insurance rates so you know you're getting a cheap price on your auto insurance. To find cheap car insurance companies you need to visit an insurance comparison website.

When you visit an insurance comparison website, you type in your vehicle and driving information on one easy form. You then receive quotes from a variety of companies, which you can compare to make sure you're getting the cheapest rate.

On the best insurance comparison websites, you can even talk online or by phone with insurance professionals and get answers to all your car insurance questions. (See link below.)

Cheap but Reliable

Of course, when you buy car insurance, price isn’t your only concern. You want a cheap quote, but you also want an insurance company that's going to be stable and reliable. Fortunately, all the quotes you get on insurance comparison websites are from A–rated companies, which means they are financially strong.

You also want an insurance company that offers good service. To check on the service record of an insurance company, follow these tips:

* Check their website to see if it's informative and helpful.

* Check your state’s department of insurance website to see how many complaints have been filed against the company.

* Check ratings for the company with J.D. Power & Associates (jdpower.com), and A.M. Best (ambest.com).

By shopping for car insurance on the Internet, you can be assured that you're getting a cheap rate with an excellent company.

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance quotes from top-rated companies and see how much you can save. You can get more car insurance tips in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on cheap car insurance companies.

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Cheap Auto Insurance – Do You Really Want It?

Cheap auto insurance is big business these days. It’s hard to watch television without being promised cheap auto insurance premiums with excellent service. But, do you really want cheap auto insurance? It would be worth your time to think over a few things.

1) The old saying – you get what you pay for is a good place to start. When looking for cheap auto insurance – don’t stop your research at the cheap premium. Those cheap premiums might not be so cheap in the long run if the auto insurance company won’t come through for you when you need them. It would be worth your time to look at some auto insurance reviews.

2) Auto insurance is big business and businesses are looking to make as much money as they can. To put it bluntly, the auto insurance companies are looking to take as much money from you as possible – while paying as little money to you as possible. This is a business fact of life.

3) Another factor to consider is the amount of money a company spends on advertising. Those television commercials promising cheap auto insurance are quite expensive. Remember, every dollar the auto insurance company spends comes out of its customer’s pocket. Just remember, a company that spends a lot of money advertising cheap auto insurance might end up costing more money later.

4) Finally, don’t underestimate the dollar value of great service. In my world, time and hassle equal money. If I find myself spending a lot of time and hassle with a business such as auto insurance – its true cost is rising. Just don’t find yourself getting so excited about the promise of cheap auto insurance that you overlook those other important details.

E Lawrence Welch

Car Insurance Snoop

Car Insurance Reviews – Page One

Before leaping out of one car insurance policy and into a new one – promising lower premiums, better service and guardian butterflies – it might be worth your time to study some car insurance reviews. Take a look at these 3 tidbits of information we learned while browsing a few car insurance reviews.

1) You need to pay close attention to your car insurance coverage when performing activities that are “out of the norm”. For instance, one customer began work as a courier (requiring the use of her automobile). Due to a miscommunication – she believed her insurance policy covered her courier activities – only to discover later that she was not covered for an entire week. She was fortunate – she didn’t have a car accident during this time period – however, her story shows us the importance of making sure we understand our car insurance coverage.

2) Although it could be a challenge – it would be wise to investigate the customer service department (or car insurance reviews about them) of any car insurance company you might be thinking about switching to. During our research – we discovered a number of incidents where the insurance companies were quite difficult to work with when their clients were trying to process a claim (even when the accident was NOT their fault). Good customer service is definitely worth money and should be taken into consideration when researching a car insurance company.

3) Don’t make the mistake of assuming that an insurance company will be the same in one state as it is in another. Car insurance companies are governed by state laws. These laws vary from state to state. Don’t make the mistake of assuming that a car insurance company (or car insurance policy) will be a certain way in your state simply because your brother-in-law (or some other person) - who lives in another state – describes it that way.

You can research a number of great car insurance reviews at CarReview.com.

E Lawrence Welch

Car Insurance Snoop

Car Insurance of the Future

Car insurance companies spend millions of dollars in advertising – working to lure us from one company to another. The daily bombardment of promises of lower rates, better service, and more rewards becomes quite old after a while. Don’t you grow tired of all those television commercials? Wouldn’t it make sense for someone to develop a forward thinking car insurance business model of the future with the following characteristics:

1) Anyone seeking the lowest car insurance premium for predetermined policy criteria should be able to submit a “profile” to any number of car insurance companies (or a third party company). This profile would contain all the relevant information needed in order to write a policy.

2) Every so often, each of those car insurance companies (or third party) should review your profile and if desired, offer you their lowest premiums for a predetermined policy.

3) The outrageous amounts of money currently being spend on advertising could be redirected to the cost of reviewing individual profiles – and the money remaining would of course lower the premiums and increase the shareholders wealth.

4) In essence, each of the car insurance companies would be in a perpetual state of competition for your business. And they would be doing the work - not us. After all, they already know their "fine print".

5) Essentially, you would have any number of car insurance companies working for you at all times – making sure you’re paying the lowest premiums for a given policy and risk profile.

Feel free to offer any comments – maybe this idea is already in practice but I’ve been unable to snoop it out? :)

E Lawrence Welch

Car Insurance Snoop

Car Insurance & Lower Premiums

Car insurance is like many other things in life. In order to get the lowest prices (lower premiums) – you’ve got to do a little extra work – but it’s worth it. Take a look at the following thoughts – your bank account will thank you in the end.

1) Car insurance companies are like other businesses – they’re interested in making lots of money. How? In order for car insurance companies to make the most money – they will need to pay you (the customer) the least amount of money. Contrary to what you’ve seen on those commercials – car insurance companies don’t really want to pay you any money. When you begin to understand this – you’re on your way to lower premiums. Try to look at yourself from the car insurance company’s perspective. The only way you will be paying less money (lower premiums) is if the insurance company doesn’t believe it will be paying you money for claims.

2) The key to lowering those car insurance premiums boils down to the way you drive and what you drive. Car accidents, driving tickets, insurance claims all serve to increase your risk profile. A person with a high risk profile will pay higher car insurance premiums than a person with a lower risk profile (all else being equal). Make a plan to lower your risk profile over the next few years - begin practicing defensive driving techniques and keep those driving citations to a minimum – you’ll be taking a huge step toward lowering your premiums.

3) Car insurance premiums can be lowered in the short term by driving automobiles which are more “car insurance friendly”. Some cars have higher premiums for reasons such as theft, etc. Others are higher because they’re worth more money. Another way to lower your premiums is to raise your deductible. A good rule of thumb is to set your deductible as high as you can afford. Often this alone will save you a lot of money.

4) Another good practice is to keep up with the decreasing value of your car. During a conversation with my mother – I learned she was paying semi-annual car insurance premiums in excess of the value of her car. Since the insurance company would only be paying her about $200 if her car was totally destroyed – she decided to reduce her coverage to liability only.

Lastly, remember to do your research and educate yourself. The more you know about the car insurance business - the better you’ll do when shopping for lower premiums.

E Lawrence Welch

Car Insurance Snoop

Car Insurance Quotes & More

Car insurance quotes are only one side of the car insurance story. Before you switch to a different car insurance company – consider following thoughts:

1) Car insurance quotes are only quotes. Quotes are not necessarily the real car insurance prices you will pay in the end. Don’t switch your car insurance on a whim. Do a little research first.

2) Don’t let car insurance quotes be the determining factor in choosing a new insurance company. You might save some money – but you might spend the difference in aspirin for the additional headaches caused by the cheaper car insurance company.

3) When seeking accurate car insurance quotes – make certain you submit information as accurately as possible. After all, the quote will only be as good as the information you’re able to offer. Many times, the car insurance quotes will not be valid – depending on the accuracy of the information you’ve submitted.

4) Watch out for the fine print that comes with those lovely car insurance quotes. Fine print is a fact of life – don’t miss an important detail. I know it’s hard to resist the car insurance quotes – but don’t be caught off guard.

5) Last, if it sounds too good to be true – it probably is. This applies to car insurance quotes as well as many other aspects of life. Do your homework – use the car insurance quotes as a tool in conjunction with your other research and be sure to ask the company a lot of questions about those lovely car insurance quotes.

E Lawrence Welch

Car Insurance Snoop

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