Do your homework to find a deal

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The best way to find the lowest price on car insurance is to do your homework. Shop around before you sign up with any auto insurance carrier, and you’ll be sure to save money. Rates vary from one carrier to another, so call each company to find out what they charge and give them the same details. Tell them how much coverage you’re looking for, the amount of deductible you want, how frequently the car is driven, your age or the age of the driver, and the year, make and model of the car.

If you’re not sure exactly where to start, talk with the experts. Call your state insurance department and ask them for a list of auto insurance companies and the rates they charge. You can find contact information for the state insurance department by looking in the front of your phonebook or by doing an online search for their Web site.

Once your have the list, contact at least four of the companies with the lowest prices. Give them the same details mentioned before to find out what rates each of them charge for the same coverage. With that information in your hands, you can make an educated decision, and you’ll feel good knowing you got the best deal in town.

Check out the following price quotes for a 2002 Ford Focus ZTQ with 40,000 miles. The two drivers are married, currently have auto insurance, and don’t have any traffic violations. The car, which is driven 10 miles to work, has an alarm system and is still being paid for.


Web Site Lowest quote for 6 months
www.insWeb.com $456.00
www.geico.com $469.10
www.progressive.com $589.00
www.esurance.com $737.00
www.electricinsurance.com $951.00



All the best,



Timben