When comparing rates on car insurance it is important to understand the various things that make up the premium and just how much coverage you have. In order to get the best rates you should speak to at least 3-5 different car insurance providers. Understanding some of the risks that you have (such as living in a high crime area or high traffic area) will help you to negotiate for lower insurance rates.
Highest Rated Car Insurance Companies
To find affordable car insurance you will need to do a lot of research. Compare multiple insurance quotes with RateCatcher’s auto insurance tool. Make sure you understand the coverage limits and premium amounts before you get a new policy. Here are some of the top rated car insurance companies by actual customers:
- USAA
- Geico
- Esurance
- State Farm
- Liberty Mutual
- Allstate
- Progressive
- AAA
- Nation Wide
- American Family Insurance
Each car insurance company varies in their pricing along with policy information. USAA for example is only available for military members or descendants of military members.
Ways to Lower Car Insurance Costs
In order to get the best rates on car insurance you need to learn how to negotiate with the car insurance companies. Here are some things to ask the car insurance provider when you are getting quotes on car insurance:
- Do you offer discounts if I buy bulk insurance policies? Most car insurance companies will offer other types of insurance coverage as well like home insurance along with life insurance.
- Do you have safe driver discounts?
- Do you have student insurance plans?
There are other things that can impact the cost of your car insurance. If your car is in a garage overnight, you will have a lower premium than if your car is parked outside where it is vulnerable to theft, vandalism, and also weather-related issues.
Should You Buy Car Insurance Online?
When it comes to comparing rates, shopping online makes it very convenient and easy to do. Online car buying may not give you the lowest price however. Talking with the actual insurance agent will give you more room to negotiate and to try and get a lower rate on your policy. Each car insurance company has it’s own rate structure and they have different risk factors that make up their premiums. This is why it is so important to compare rates and to determine which insurance company will provide you with the best deal.
If convenience is your main goal when looking for insurance, you will greatly benefit from online car insurance companies. All you need to do is fill in your personal information and provide the insurance company with relevant information pertaining to your driving history and they can generate a quote for you in a few minutes.
To get the best rates on car insurance it is wise to compare rates at least once a year. As long as you are a safe driver, it will be easy to get car insurance companies to price match quotes in order to give you the best deal possible.
