If you want to make your auto insurance premium more affordable, do not pay attention to any of the car insurance advertisements because there is no car insurance company, which will always give out the cheapest car insurance.
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.
Your state insurance website, which you can access from the NAIC site, may have a survey, which gives sample prices from your local insurers. These surveys are created not so you know which insurer is the most affordable, but to remind you that the best thing you can do, when getting a new quote, is to shop around.
Although you can compare car insurance quotes online, they do not save you as much on auto insurance as you think they do. Some of the lowest premiums you may not see while using these sites because the lowest priced provider does not pay commission to these sites. Also, the real price from some insurers is lower if you speak to them directly.
If you find it difficult getting a reasonable auto insurance quote (maybe your credit score needs improving or you have a poor driving record) you may want to speak to a local independent agency as they are connected to many insurers and can link you with the best one for your situation.
You can easily find an independent agent in your area by going to the auto insurance section of your Yellowpages or business directory. If the agent or agency name is something that is not familiar to you (such as Sunshine Auto Insurance), you are most likely looking at an independent agent. If the agency’s name is something like Michael Brown-All State, you can get car insurance from only that single insurer.
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