Category: car insurance

So you’ve heard of people who buy their car insurance online. Are rates the same? Better? Are there other reasons to get your car insurance rate online? Compare the online experience with your last auto insurance shopping adventure.

The Convenience Is A Winner

For convenience, you can’t beat online shopping for a car insurance rate. You can do it any time of the day or night, over the Internet. There’s no need to get dressed up and go into an insurance sales office. You can keep your fuzzy bunny slippers and robe on no one’s gonna see what you’re wearing as you sit down in front of your computer and shop for auto insurance.

Time’s NOT A Wastin’

If you’ve been into an insurance agents office, you know that the pace is usually pretty laid back, with just two speeds: slow and stop. They’re not in any hurry to get you in and out of there. They’ll be there all day anyhow, so let’s discuss this other alternate rider you can get on your policy, etc…. If you like that kind of socialization, please go the traditional route and visit an insurance office. Be sure you have plenty of time. For those of us who lead busier lives, shopping online for a car insurance rate fits our lifestyle. We can pick and choose which type of coverage we want often just copying the coverage we want to replace and not have an agent standing by trying to coax us to a more beneficial (to him) policy.

Changes? A Breeze!

If there are changes you want to make to your policy, if you got your car insurance rate online then it is simple to make modifications. No need to bother your agent to try out a different configuration. Check it online. How much will it save you if you take off the car rental rider? Or move your adult daughter to her own policy? Or add in your new teen driver? All these things and much more can be checked online, whenever you want, without needed to call an office.

Any Cautions?

If you don’t know what type of coverage you need, you might want to learn more. You can usually call an agent’s office or stop by and they’ll be happy to education you on the differences between liability, comprehensive, and collision. They can also help you know what amount of coverage would be right in your situation. If you already know that stuff, though, try getting your new car insurance rate online!

When you’re buying car insurance, rates vary due to so many things. It can be difficult to get the best rate. It is tempting to go online to get a car insurance rate, and many do just that. But sometimes, going with an agent that gives the hands-on treatment that is the best way to get the best deals. They often know of discounts that you are eligible for. Let’s take a look at some of the discounts that can affect your car insurance rate.

Multi-Vehicle Discount

If you have more than one vehicle with the same company, they will generally give you a discount on the second and subsequent cars. Hence, if Car A costs $100 a month to insure, and Car B is $80 a month to insure, together, under the same policy, they won’t be $180 a month to insure, but something more like $165. While it isn’t a huge discount, every bit helps cut your car insurance rate!

Multi-Policy Discount

If your insurer offers more than just auto insurance, if you have a different type of policy with them they will often give you a discount on the second policy. Perhaps your insurer also offers home owner’s insurance. Rather than paying full-freight on the home owner’s insurance when you start the policy, there’s a good chance they’ll discount it up to 20%.

Some insurance companies call this discount Auto-Home Discount. They often have a similar policy: Auto-Life Discount. In the case of life insurance, generally only one person on the policy having a life insurance policy is enough to grant the discount to the entire policy.

Good Driver Discount Claims Free Discount

Are you a good driver, one who hasn’t had any incidents in several years? If you haven’t had any tickets or accidents (that you are at fault for) in about five years, you are a candidate for a good driver discount. Of course, they will verify your record with the DMV, but if you truly are a good driver, then you will likely be rewarded by a nice discount on your car insurance rate. This can also be called a Claims Free Discount.

Good Student Discount

If you have a student in the family, encourage them to get good grades. For high school students and often college (or until married) as well, having a GPA of 3.0 or higher (for some, 3.5 or high) is a good enough reason to give that student a better car insurance rate.

Airbag Discount/Anti-Theft Discount

Having airbags installed in your car will often give you a discount. And some car insurance companies give a discount for an alarm system. Beware – some cars have a number etched into the glass of the window, and salespersons at car dealerships will tell you you can get a discount for having a number etched into the glass…This may or may not be true. Check with your car insurance company before paying extra for that benefit.