Very Cheap Auto Insurance - Tips That Guarantee Affordable Car Insurance Rates

Sunday, February 22, 2009

Auto Insurance -- How To Avoid Bad Insurers

By Chimezirim Odimba

There are good guys and there are bad guys. The auto insurance industry isn't immune to this. Are there no ways to know the bad guys? Is there nothing a person can do to protect him/herself? Following are tips that will help you...

1. A lot of insurance shoppers do not make good use of their state's insurance department. If you need complete information you can rely on, this is the place to go. Being better informed will definitely make it more likely for you to realize more savings.

2. A very good option is to ask folks you are sure you can trust -- Those who are already your friends and acquaintances. What was their experience with those they switched from and what quality of service do they get from their present insurers? It wise to go with their agent and insurer if they speak highly of them. I must stress, though, that you should be careful with going with just one friend's suggestion. They might not have Shopped well themselves. . Get and evaluate quotes from as many recommended agents as as you can. Have indepth discussions with them and you'll find out who has the best for you. This could take you quite some time.

3. Read consumer guides. They will show price ranges. You'll in addition get great tips for getting the best in auto insurance. Treat the quotes shown in consumer guides as estimates only. You may pay a lot more or less depending on your specific needs, your details and who you buy from. Because of this, ensure you request quotes from as many agents as you can handle. Many quotes make it surer that you'll get cheaper quotes and value.

4. Make some time out to check the reputation of the company you finally pick as your insurer. Not doing this is too expensive. The Better Business Bureau (BBB), A.M Best Company, Phelps, Inc., Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc. and others can be of great help in such research.

5. You can save a lot of dollars by visiting not less than three auto insurance quotes sites. That way, you will get the lowest quotes available since three sites will return not less than 15 auto insurance quotes altogether.

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