These days, you can’t go five minutes while watching television without seeing the little lizard that is the mascot of GEICO's insurance company. On top of that, there are so many different types of auto insurance companies that it makes it nearly impossible to decide which is the best type of coverage for you.
So, what do you do? How do you narrow it down? First, ask around. Start by questioning your friends or family members about where they go for auto insurance, how much the rates are, and how intensively the agent covers the important details. Make a list of the insurance company’s names and contact information and grab a notebook to keep your own records of the premiums and deductibles.
Next, go to where you can get coverage: an agent in your neighborhood an insurance company that is online and has an 800 number. Many people recommend going directly to an agent instead of dealing with a direct market company because they are more thorough in configuring what type of coverage is best for which person or family.
The bonus to getting car insurance through a direct market company is the convenience, which is quite possibly the reason it’s so popular. Many insurance companies offer free quotes for coverage that a person can get in a short phone call or by spending a few minutes on the Internet typing in important information. Coverage can often be purchased online, and some insurance companies provide rate quotes for a handful of other insurance providers at the same time to give clients more options and comparison.
To save money when buying auto insurance, make sure to shop around and get as many insurance quotes as you can from as many different providers as possible. Second, get the highest deductible that you feel comfortable with, because the higher the deductible, the lower your premium and monthly payments will be. Many insurance companies offer multicar discounts, better rates for good drivers, and discounts for safety features like air bags, so that’s something else to keep in mind.
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