How to Find the Cheapest Car Insurance

A car is a very valuable asset which though very helpful, is very much prone to wear and tear as well as accidents. Getting car insurance is one of the best ways to be assured that in case of unfavorable occurrence; the owner will not loose his entire possession. Car owners should take time to find the cheapest car insurance with a company that has a record of paying up claims on time.

There are channels that can be used to secure car insurance. One is through an insurance agency that works for a principal insurance company. Another option is directly through an insurance company. The bottom-line in ensuring that you get a good deal as pertains insurance is to be resourceful and shrewd. Always ask questions when in doubt and don’t settle for a policy until you understand each and every detail.

Car Insurance  How to Find the Cheapest Car Insurance

Finding the cheapest car insurance through an agent

Insurance agents work for an insurance company and their pay is usually on commission basis, thus they will use all the appealing words just to get someone signing up with them. So make sure that you clearly outline your preference rate and coverage. Here are some practical tips that can help find the cheapest car insurance through an agent.

  • Inquire on collision ratings:  insurance companies usually offer varying rates per covered area and it’s therefore important to ask your agent to collect the collision liability coverage rates. These collisions cover the damage and the legal and medical expenses incurred.
  • Look out for discounts: you can only find the cheapest car insurance if you take note of any discounts on offer especially the claims-free discounts.
  • Find out about the company rating: this will help to know if the company is financially sound and subsequently if it pays claims promptly.
  • Visit the company premises: the location and the general outlook of the premises will give you an idea on their service delivery capabilities.

Getting cheapest car insurance when dealing directly with the company

When dealing directly with an insurance company, you need to do extensive research to help you find the cheapest car insurance. The best source of information is the internet as it offers a number of companies to choose from.  Various websites also contain customer reviews that will help determine the quality of services delivered by the different companies. Factors to look out for include:

  • Ensure that the company has an AAA rating which means that it’s financially stable.
  • Consider a number of companies before making your decision. Settle for the best 3 to 5 companies that best match your preferences. Then compare their other aspects such as rates and time taken before settling claims then narrow down to the best among them. It’s also important to compare the rates offered with the average industry ratings.
  • Find out about their liability coverage. Make sure that their coverage is comprehensive enough to cater for those injured while using the car.

Additional tips

Due to the high number of insurance companies, it may be hard to single out the best or find the cheapest car insurance. That is why it’s important to have an already set criterion for what you are looking for before searching for insurance cover.


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