Auto insurance is compulsory all over the United States of America. There are different minimum limits to adhere to in each state and it varies across the country.
Tip 1:
The best way to get cheap auto insurance coverage is to look for it over the internet. There are a number of websites that offer free auto insurance quotes which you can refer to before making a decision. These quotes are absolutely free and they do not require too much of your time either. You might spend barely a half an hour on filling up a few forms. The details required could include your driving license number, your registration number, your address and your social security number. And you will get your quote in less than a day. In fact there are a few third party website that list a number of auto insurance companies on the same site. This way you can conduct a comparative analysis without even leaving the site.
Tip 2:
Once you have a look at your auto insurance quote, the next step is to shortlist a few auto insurance companies. Talk to a few friends and family before you do this. They will be able to tell you which companies are reliable and safe. Since they would already have had experiences with a few companies, they are the best people to contact. Try to get local friends to tell you about the local companies and rules, because it varies from state to state.
Tip 3:
Once you have finalized a few companies based on the feed back that you get from your contacts, the next thing to do is to contact the company. Talk to the agent and find out what discounts or deals are being offered by the company. Try to negotiate a good deal from the company. Do remember that auto insurance is just a service like any other, and you are the customer. You can definitely negotiate and try to get the price down.
The best way to get discounts is to show that you are a responsible driver. Anything from a good driving record to a good show of grades for a teenager will do as proof. Enrolling in a defensive driving class is also a good investment. It will not only show that you are serious about driving safe, it will also teach you how not to get into tricky situations on the road. You can also show that you do not drive extensively during the week or that your office is very close by or that this is your second car etc. you basically have to convince them that you are at a minimum risk of having an accident.
Tip 4:
And lastly, before signing on the dotted line, make sure you read all the fine print. There are a number of companies that might not be genuine in their intentions. You do not want to be taken for ride after paying so much in premium every quarter for your auto insurance coverage. Look out for fly by night operators who are just looking for your registration fees. That is the reason for not finalizing all your deals on the net. Make sure you meet them in person and take down their address if they are a small company. And this is another reason to get references before you take the plunge.
