Car insurance is something we all need but it is probably not the kind of thing that we think of to shop around, like a stereo or new TV. But this is something that we all should do every now and then, like every couple of years, instead of just assuming that we are getting our best rate with the carrier we have now. We need to simply make sure that we are still getting the best car insurance value for the money. It goes without saying that there is always a new guy on the block offering even more competitive car insurance.
But if you think it is really a better quote, make sure you look at it again. You almost need to be an expert in insurance terminology these days to make sure you are comparing apples to apples, although there are certain things that anyone can check. Just as an example, if you are comparing a policy with a $500 deductible and a $1000 deductible, you may not realize the difference at first, but they are not the same thing.
You should and can check car insurance rates online, absolutely, but do not consider those the best rates that can be found. Yes, they are probably going to be aggressive, but that does not mean that they are going to be the best. Your local agent can sometimes beat the rates you find online. It is all a matter of too many factors to list here, but at the root of it is your driving record. If you have a squeaky clean driving record, then you should be able to get great rates just about anywhere.
But if your driving record is not so good, say you have a couple of fender benders and maybe a ticket or two, it is going to be tougher to find a good car insurance quote. Not impossible, just harder. Even if you were not listed as being the driver at fault in the fender benders, the very fact that you had one (or more) does not look good.
One of the hard facts of life is that you need to have car insurance if you are going to drive a car on public roads and highways, and almost all states have a requirement to that effect. So given that, do not forget to add the cost of the car insurance that you must carry to the cost of your car payment. Maybe you can afford the car payment, but after you add in the insurance, its just out of your league.
There are many factors that go into pricing car insurance, and one of the main ones is the type of car you want to insure. It does not require a rocket science degree to figure that the cost of insuring a late model Lincoln Town Car is going to be much more than a late model Kia. The overall value of the car is taken into consideration as well as the cost of repairing the car if it gets into an accident. In the same way, a cars crash safety test records indicate how safe the driver is in an accident, and the cost of the car plus the cost of medical bills play into computing insurance costs also.
Shop around for your car insurance and make sure you are getting the best deal. Also take the time to shop online, but do not assume that is your best deal. Make sure you are comparing apples to apples when you are comparing the policies from two different companies. The time spent will save you big bucks.