Almost everybody must have car insurance in order to drive legally. Every US state requires drivers to prove financial responsibility, and for most people, that means having an auto insurance policy.
Insurers will always charge different premiums for different drivers. And some people will cost more to insure than other people. But even if your premium is high, you do not have to accept the first quote you hear. You should know that the discount car insurance company is not always the cheapest auto insurer for you!
I had a discount insurance company, and they tripled my premiums after I added a young driver and a used car to my coverage. The company insisted that price was the best one out there, and my own insurance agent could not do better. So should I have stopped shopping?
After a few weeks, I decided to get some competitive car insurance quotes. One company, that is not known for being inexpensive, caught my eye.
I was shocked. That company could offer me discounts that the discount insurer could not. With discounts, my rate dropped two hundred dollars a month!
Think about that two hundred bucks a month. That meant I could save $2,400 a year. Within a few years, I could save enough to buy another car.
How can you find the best deal for you? You should always shop around. Online car insurance quote forms make it fairly easy. You just enter your basic details in a form that takes about 4 minutes to fill out. Then click the GO button, and sit back while top insurers compete for your business.
As I wrote above, some people will have higher premiums than others. But with online auto policy shopping, there is no reason to pay too much.
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