It Is Easy to Check for Better Car Insurance Rates and Coverage

car dealer apps

Most people know very well by now that they need to shop around in this market where there are plenty of choices offered at varying prices and from so many different sources. Yet, some motorists are as unwilling to look at their current coverage, see if it is good enough or needs to be adjusted and get a few alternative vehicle insurance quotes from competing companies as going to the dentist.

This may be due to thinking the old ways and not letting it go. Only a few years ago, you either had to talk to insurance brokers or companies to get prices and it wasn’t easy to deal with either of them. Often motorists were left more confused and even ended up paying more for coverage they weren’t sure and not much satisfied at the end of the process.

Things have changed a lot in the last 10 years. Most consumers look at digital platforms when they want to buy anything, including large ticket items like refrigerators or automobiles. Even kids buy and sell on the Internet these days. So, online auto insurance comparison sites are great if you are looking to reduce your premiums. Many motorists achieve much better deals with another highly reputable auto insurer.

Comparing rates, coverage and vehicle insurance companies is a good way of bringing the premium costs more in line with your budget. Obviously, everybody won’t get similarly high discounts. Sometimes they may be able to find lower quotations from alternative providers but the amount of savings may not be enough to convince shoppers to change their providers. In that case, it may be worth calling the current automobile insurer and asking if they would bring the premium down a bit.

According to, car insurers still price match even though they may do it differently. This depends on what instructions are given to agents on the phone. Usually, the first thing they do is to check if you are a good driver with clean records and if the company is currently trying to sign on drivers just like you.

Then, they start with going over your details and checking if anything positively changed in your life that merits giving you more discounts. For example, if you recently got married you may be eligible for around a 5% discount, which may be enough to keep you happy for a while. The thing is that most motorists would be content with it and stop looking around for a while.

In any case, they can make a few small tweaks to your details and ask their system to check for a new quote. If this doesn’t yield a better deal, they may still ask if you would be happy to increase deductibles a little and see if that would be a good option. So, there are things they can do to improve the rates they offered at the last renewal.

Most motorists find very little reason not to switch if they find a much better auto insurance quote. In such cases, the first thing to check is if you are at least getting the same coverage as you currently have. If you entered the coverage requirements from your last policy schedule you would at least get that coverage and more. That is why looking at your schedule, figuring out anything needs to be changed before starting the shopping process is a smart way to go.

If you are saving a fair bit of money there are a couple of things you can do. You can either put that money into use by shoring up your coverage a bit more. Or you could just keep it as it is and spend it somewhere else. Honestly, shopping for auto insurance isn’t as hard as most people make out to and often people save money.  

Leave a Reply

Your email address will not be published. Required fields are marked *