Free Insurance Guide

Finding the Lowest Car Insurance Rates

When it comes to searching for the lowest car insurance rates, most people honestly don't know where to start. People often make the mistake of contacting their local insurance salesperson or an auto insurance broker and are shocked at the steep rates they are quoted. As nice as your local agent might be, they simply won’t offer you the most competitive rates right off the bat. You might be thinking that shopping online is the way to go, but you might also be surprised that the rates aren’t as good as you anticipated. The next logical question then is where to find these low rates.

In order to get the rates you’re after you need to do some bargaining with a live person. It doesn’t matter whether the company is based online or locally, but it’s important to actually speak to a person. The problem with online sites is that they just aren’t set up to offer you the lowest deals. Sure, they will compare their rate against the rates of existing companies, but they won’t go below a certain pre-established base rate. Buying online makes sense in terms of convenience and efficiency, but doing so won’t get you what you’re looking for if your goal is to save money.

The best way to see some big discounts on the standard rate is to contact several insurance companies by phone, stating your policy needs and asking them about their rates. Once you have 5-6 similar rates written down it’s all about pitting one insurance company against the other. The fact is that the insurance market is extremely competitive and many companies will stop at nothing to gain your business, particularly if you have a good driving record.

Ultimately, if you’re in the market for the lowest possible rates then you need to pick up the phone and do some bargaining. While negotiating isn’t always fun, it’s truly the only way to avoid overspending when it comes to shopping for auto insurance.

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