Want to know how to get a cheap car insurance quote online with a reliable company?
Here's how to do it.
Getting Car Insurance Quotes OnlineIn order to get a cheap car insurance quote you need to get quotes from a number of car insurance companies. Thanks to the Internet, you can quotes online in the comfort of you home in just a matter of minutes. There are a ton of websites where you can get car insurance quotes online. Unfortunately, most of them are run by insurance companies who only give you their rates. There are a couple of companies who also give you rates from their competitors, but from the comparisons I've done, they don't give you the cheapest rates that are available.
Where to Get Cheap Car Insurance Quotes OnlineYour first stop in your quest for cheap car insurance should be at an insurance comparison website where you can get rate quotes from multiple insurance companies. All you do is enter your insurance information and the amount of insurance you want on a simple online form, then wait to get your quotes.
Most insurance comparison sites only deal with A-rated companies so if you decide to get your car insurance through them, you know the company will be reliable. Some of these site let you talk with an insurance professional, either online or by telephone, so you can get answers to any questions you may have, plus get tips on how to lower your premium. (See link below.)
After you get your quotes, go to J.D. Power's website (jdpower.com). Click on the "Insurance" tab at the top of the website, then click on "Auto Insurance Provider Ratings." On the page that comes up you'll see ratings for a number of different categories. Under the "Pricing" category you'll see what J.D. Powers considers to be the companies that offer policies with the best prices. I recommend getting rate quotes from the companies with highest ratings (five bullets).
By now you should have enough quotes to get a cheap rate on your car insurance. Before you buy a policy, read it over, or have an agent from the company explain it to you, to make sure you understand what you're buying and that you have all the coverage you need.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
When you think about the things you have to do before you can go shopping for online auto insurance quotes, what comes to mind? Identifying the safety features on your car? Clearing up any tickets in your own history? Taking a Driver's Education class? And more. What you probably aren't going to think of is cleaning up your credit score, yet that small three digit number could be exactly what's dragging you away from the superb online auto insurance quotes you deserve! Yes.
Why Your Insurer Cares About Your Credit ScoreI would love to be able to say that all your insurer cares about is your driving history. I really would. That would make it so much easier to steer you down the path to great rewards on your auto insurance. The unfortunate truth, however, is that in today's society we're basically numbers on a balance sheet in the eyes of our insurers and of those numbers, nothing generates more attention and controversy than our credit score.
States are fighting to make it illegal for companies to use credit scores as a foundation for their online auto insurance quotes, claiming that you can't judge someone's driving skill by the way they spend their money. Maybe they're right. That doesn't stop insurers from pointing out that drivers with a good credit score are often more responsible behind the wheel and, therefore, are less likely to be in an accident than their careless counterparts. In case you missed the memo, insurers love saving money, and they save thousands by insuring drivers that don't have accidents.Clean Up Your Credit ScoreIf you haven't been in an accident in the past 5 years, are driving a safe, "low risk" car (just ask the Highway Data Loss Institute), haven't decided to set up house in the heart of New York City, park in your garage every night and you're still paying too much, you might want to take a look at your credit before you start pointing the finger at your online auto insurance quotes.
The good news is, cleaning up your credit isn't hard. All you really have to do is cut up all but one of your credit cards, pay off your debt and keep up on your bills and you're gold. The bad news is, if your credit score has taken some hits in recent years it could take a while to get it back to normal. The average "blip" will stay on your credit score for at least 7 years, sometimes more.
The good news is, if you can ride out those 7 years with a good credit score you'll be sitting behind the wheel of your very own hot auto insurance quotes in no time.
Clifford F. Berman is the CEO of QuoteScout, where they specialize in helping drivers find the hottest auto insurance quote.
