6/16/2007

Compare Car Insurance Rates The Easy Way

by insurancehelp101
In the days prior to the Internet, you had to call a number of insurance agents and answer a ton of questions in order to get enough quotes to get a cheap rate. Now, thanks to the Internet, comparing car insurance rates is a piece of cake.
Because rates can vary by $1,000 or more from one company to another, you need to go to an insurance comparison website where you can get quotes from a number of car insurance companies.
Not only can you get multiple rate quotes from these sites, some of these sites offer money-saving tips in their "Articles" section, and provide an online chat feature and toll-free telephone service so you can get answers to your questions from an insurance expert. (See link below.)
Get Car Insurance Discounts
In order to get your car insurance quotes, you'll need to fill out a simple questionnaire where you can list the all discounts and deductibles you want. Here's how to save the most money on your insurance:
Raise your deductible - Depending on how high you raise it this can save you 30% to 50% on your car insurance premium.
Consolidate your insurance - Buying your car and homeowners insurance with the same company will save you up to 15% on your premium.
Install security devices - Outfitting your car with a burglar alarm or other theft-prevention devices can get you a good-sized discount.
Eliminate unneeded coverage - Consider eliminating your comprehensive and collision coverage if your car is more than five years old, or if the cost of your annual premium is the same as the value of your car.
Compare Car Insurance Companies
Once you've chosen the best quote, you'll want to make sure the company is reliable and will pay your claims. Here are three websites that will help you decide:
1. Your state's department of insurance website will show you how many complaints have been lodged against an insurance company.
2. J.D. Power and Associate's website (jdpower.com) will give you consumer ratings.
3. The A.M. Best (ambest.com) website will give you a company's financial and credit ratings.
By taking these extra steps, you'll know that you're not only getting the best rate, but that you're getting a reliable company.
Visit http://www.insurancehelp101.com to compare car insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

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