Auto Insurance - Here's How You Can Lower Your Rates

By Chimerenka Odimba

A lot of folks have experienced problems with either their auto insurance agents or their claims or the premiums they had to pay.

Here are a few tips to help you get the best deal for your auto insurance:-

1) Shop extensively

Do not feel that you are in so much of a hurry to get auto insurance that you fail to take out time to do extensive inquiries from agents, friends and acquaintances. you should get quotes whether online or by phone from various insurance companies and then compare the prices you are given to determine which is the best offer for you.

2) In addition to the prices they give you, be careful to check out the customer care.some insurance companies might give you very good prices but they do not offer quality services. They should be able to give you adequate answers to all your questions. you should be convinced beyond all reasonable doubt before you buy any insurance policy.

3) Ensure that the insurance company you are considering buying your policy from is a credible one. check with your states insurance department to confirm they are registered and qualified to provide auto insurance in your state.

4) Check out the financial stability of the insurance companies through consumer guides and other certified sources of such information. Invest extra time in your investigation before you sign on with any company.

5) some very important factors to consider when you want to buy a new car are :-

a. the price of the car can determine the auto insurance rate

b. the cost of spare parts of the car and the cost of repair in event of damage or cost of replacement in case of theft.

c. safety features in the car would also affect the premiums

d. cars that are noted to be attractive to thieves are considered high insurance risks and

thus would attract higher premium.

6) buying more than one policy from one insurer can fetch you considerable discount. this is called multi-policy discount. So check out the possibility of buying both your home owners policy and your auto policy from the same company.

7) you can also get discounts for low mileage. some insurance companies would give discounts for cars that have done low mileages per year. The company policy on low mileage might help you know whether to buy your auto insurance from them.

Lastly, it is very important to get as many quotes as you can as that is the singular most effective way to get the lowest rates possible.

Here are two sites for you to start from.

Insureme Quotes! Hometown Quotes! Chimerenka Odimba is the publisher Several finance based sites.