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Finding the Lowest Rates


The three most important steps to finding the lowest rates for car insurance are as follows:

Step One

Shop around.

Step Two

Shop around.

And Step Three

Shop around some more.

Okay but seriously, shopping around is the key to success if you’re trying to get low rates. Think about it, if, say, a computer company is hiring a software designer, they’re going to get a more qualified, more skilled designer by drawing in as many different candidates for the job as they can find. They can select not from just two or three applicants, but from dozens. Keep your options open, play the field, and you’re more likely to find a great deal than if you just sign up with the first insurance company you talk to.

A lot of insurance companies use pushy, aggressive salespeople to try and get you committed before they’ll even give you a quote. If you feel like you’re being bossed around by somebody when all you’re doing is calling to ask about a quote, just hang the phone up, and don’t call that number ever again. Don’t even waste time saying bye, just hang up. The vast majority of insurance agents are pretty decent to the customers, because they know that it’s bad business to strongarm the customer, but if you give a pushy salesperson an inch, they’ll try to take a foot, and then an arm and a leg.

Okay, if you’re really worried about being rude, then say “I think I’ll look elsewhere, thanks though!” and then hang up.

At times, an insurance representative may even try to sign you up before even giving you a quote. If you call an insurance company and they’re asking for a credit card number before even quoting a rate for you, just say goodbye and call the next number on the list.

If there’s a fourth step to finding low insurance rates, it’s this: Don’t give in to pushy salespeople.

Something that can certainly help keep your rates low is just to keep a clean driving record, or at least, a relatively clean driving record. Hopefully, you’ve already been doing this, because whether or not you’re buying insurance, it’s just plain common sense to stay out of trouble. Keep your car well taken care of, and try to be a low-risk customer.

This means:

♦ Try not to get a ticket, and if you do, pay it right away.

Just practice common sense. Pay attention to road signs, follow all the rules, don’t park in fire truck spots and so on. If you do get a ticket, you can fight it if you like, but that can be an uphill battle, and if you’re deemed at fault but fought the ticket, it may be reflected on your insurance score in some states.

♦ Be financially responsible

If you have good credit, no outstanding loans, you pay your bills on time, and so on, this can reflect positively on your credit rating, and that can reflect positively on your insurance score.

♦ Don’t ever, ever, ever drive drunk

Come on, seriously. You don’t need this one explained. “I’m just tipsy! I’m cool to drive!” is a sentence that has never been spoken by a person who pays low insurance rates.

♦ Keep your car in good condition

In short, a well maintained car is safer to drive, and less likely to cause an accident.


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