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Cheap Car Insurance is Possible


Cheap car insurance is relative to how much you are willing to spend for a particular amount of coverage. What most people do not understand is that by buying the cheapest policy you are not always protecting yourself correctly.

People should look more at the coverages that are available and the price change between coverages. The easiest way to do this is to talk with an agent. They will be able to give you different price break downs at different levels of coverage.

Please be aware that there are two types of agents. There are captive agents that only can provide policies for there company. A good example of a captive agent is a State Farm agent. The other type of agent is an independent agent. They can provide policies for multiple companies but usually not the same companies that have captive agents.

When talking with the agents make sure to always ask about discounts that are available. Most agents work off of commission and it is sad to say but they aren?t always going to add on all the discounts for you if you don?t ask. After they add on the discounts for you, ask if there are any additional discounts you could receive, just to be sure.

Another way to get cheap car insurance is to up you collision deductible. Most people have a $500 deductible but by moving to a $750 or $1000 deductible you can easily save $100. I would not recommend increasing your comprehensive coverage deductible because it usually is very inexpensive to begin with.

You will also want to comparison shop between companies to receive the best rate for coverage through multiple companies. Each company has there own rating scale which could make the prices from one company significantly different from another.

There are a lot of commercials on TV telling you how much you can save on your insurance. It might become confusing as to which company to go to, too get the best rates, since they all tell you that the average consumer that switches to them will save hundreds of dollars. This is true. What they don?t tell you, is that they all have there own niches to offer better rates for different people.

A lot of people are now going to the web to get quotes, but they aren?t always getting the best deal. They will usually choose the cheapest quote that is sent back to them. That might mean really low coverage amounts putting them at great risk. Some insurance companies have the state minimum coverages listed as there defaults on their online forms. If you decide to get quotes from the web make sure you have the option to speak with an agent before you purchase your policy. This way you can take advantage of the some of the tips in this article.
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