Shopping for Auto Insurance
If you want to save money on your auto insurance, keep in mind that there is not one company out there that will always give out the most inexpensive quotes. Although there are many commercials from insurers saying that they are the best, this is not the case.
You are probably familiar with the Geico Gecko or Flo from Progressive. Although both characters are cute and charming, they are created for the sole purpose of you wanting to get your auto insurance from that single company.
Auto insurance quotes can vary by hundreds (sometimes over a thousand) of dollars. The price you get depends on who you ask. The more you ask, the better.
If you go to your local state insurance site (you can find it by first going to NAIC or searching for your state name plus the word, insurance, in Google) you may find (some sites do not have this) a survey, which gives rates for hypothetical drivers from your local auto insurers. The reason your government went out and got sample rates was not to find the insurance provider with the best premiums, but to encourage you to shop around for auto insurance.
Although there are online comparison services for auto insurance, they may not be the magic bullets that you think they are. Because their goal is to make money, you may not find the lowest insurance provider because that company does not pay that site commission. Furthermore, the prices you get from some providers may be lower because you have not talked to them directly and asked about eligible discounts.
It is always a good idea to speak to an independent car insurance agent. Agents that are independent can analyze your situation and match you with the best insurer. For example, you may have poor credit and have trouble getting a decent quote. Because they have links with many providers, they can get you a good quote.
You can find an independent agent by looking through a local business directory or the Yellowpages. Generally, if the name of the insurance agency is one, which you do not recognize, it is independent. If the name is something like State Farm-Marry Ann you are dealing with someone who can only give you insurance from that one company.
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