There is an art to getting the best auto insurance quote online. Take it from an insurance agent, just because you are emailed a low cost insurance quote, that quote may be inaccurate. I came up with a few tips to help the average insurance shopper save money.
The first tip to saving money and getting the best auto insurance quote online is to shop early. Last minute shoppers will no longer get the best rates on car insurance. Insurance companies prefer a client that has taken time to review their policy and compare coverages. Generally, car insurance quotes obtained 8 or more days prior to starting the new policy will get the early shopper or advanced quote discounts. So remember my first tip and shop early.
After shopping early, the next step to getting the best auto insurance quote online is to be prepared with your driving record and insurance documentation. By having a copy of your previous insurance policy declarations page, you make it much easier to get quote comparisons online without making your insurance agent guess. Also having your declarations page can go a long way into making sure that you adequately protect yourself without cutting corners on coverages like uninsured motorists coverage, medical, or even towing.
The third step in getting the best auto insurance quote online is to look for an independent insurance agency that uses a comparative rater. There are two types of insurance agencies; captive and independent. A captive agent or agency represents one company and its products. On the other hand, independent insurance agencies can look around and get you the best rate from a number of companies and products.
Ultimately, when you shop for your auto insurance, you need to make the best decision without a lot of pressure. By giving yourself 8 days or more, being prepared with the proper documentation, knowing your driving record, and shopping with an independent agent; you can go a long way to make your auto insurance quote experience a simple hassle free experience.