Do you have a lot of claims? Make an effort to reduce the claims and if possible, don't file any. This is because the numbers of claims filed play a very important role in influencing the cost of an insurance premium. A person who has a lot of damages and who files claims on a regular basis is bound to pay a higher premium hence get a high car insurance quote. On the other hand, a safe and cautious driver who rarely files any claims will be rewarded with a lower quote.
Never accept the first insurance quote you get - if you ask for an insurance quote from more than five companies, chances are very high that at least one company will give you a quote that suits your insurance needs. A recent research conducted by Comprehensive Marketing indicates that prices for a new 6-month insurance policy with similar coverage can vary widely among different companies, and the variance we are talking about here is as much as $500.
So with this critical knowledge at hand, you know as well as I do that you have to do some good research as you shop around for car insurance quotes. Insurance companies have a questionnaire-sort-of form that you fill to give information to the company so that they can have a clearer picture of your financial and security status. It's quite amazing to see that the criteria used to determine the price of a comparable insurance package vary greatly between different companies. This is because what company A considers a high risk factor may appear as a minor risk to company B. This gives you reason enough to take some time and do comparison for the rates of different insurance companies.
Your first course of action before starting your comparison task is to peruse through the insurance coverages and with your policy at hand, get online and start shopping around. The internet is arguably the most resourceful, comprehensive, easiest, fastest, and convenient way to shop around for an auto insurance quote today. What is more, a lot of insurance companies are extending unimaginable discounts just by buying an insurance policy online. Well, before you start wrecking your nerves thinking how on earth this is possible.
Think of this - to transact an insurance sale generally costs the company some money. Conversely, sealing an insurance sale transaction online will substantially reduce the amount of money compared to sealing the same deal over the counter. Very little human power is required if you bought the policy online. As such, the companies will greatly save money when you buy online and since the companies want to share the profits with you, part of this money they save is passed on to you in form of discount - a noteworthy discount if you purchased the policy from the right insurance company.