Are You Being Overcharged For Your Car Insurance?

autoins-article-250x157Car insurance is one of those items that most people overpay for. And the biggest reason is because they don’t pay attention to the little things.

We all know the obvious things, like having no tickets. But it goes beyond that. The trouble is, most people simply don’t think about their car insurance. In fact, they typically get their car insurance from whomever they get other insurances from, or they just go to a local broker. If this sounds like you, then you are probably paying too much.

We mentioned above that people pay too much because they don’t pay attention to the little things. What most people don’t realize is an insurance agent typically makes money off of the policies they sell, which means the higher the insurance premium, the more money that agent makes. Thankfully, smart drivers have found out how to drastically cut their insurance bill by using online tools to get unbiased quotes.

Here are a few points that will help lower your car insurance expenditures.

  • Realize that you can always switch insurance companies – Most people think they are locked into their car insurance policy until renewal time. That’s 100% false. You can cancel any car insurance policy at any time, and get a prorated refund. This encourages shopping around (more on this later).
  • Drive less than 35 miles per day – We’ve found that many car insurance companies don’t ask how much you drive (they’ll leave it up to you to ask them.) Make sure you bring this up, and ask if there are discounts if you don’t drive very far (like less than 35 miles a day).
  • Your credit may matter, also – If you have good credit, it could lower your premium. Ask about it if your credit score is 650+.
  • Ask about other discounts, like occupation and hybrid cars – Some companies offer discounts to “low risk” occupations (like engineer, teachers, scientists, etc.) Ask if your occupation qualifies. Some companies also offer discounts for electric cars / hybrids.
  • Compare, compare, compare – We cannot stress this enough. Remember earlier where we said you can get out of your current policy? That makes shopping around for the best rates very easy. The savings to be had by doing a little comparison shopping can be huge – often hundreds, if not thousands of dollars!

Comparing the different options the old way can be a time-intensive process and not really efficient, as there are 100’s of insurers out there. Thankfully, new online services now make it remarkably quick and easy to get multiple competitive quotes, so that you can easily find the lowest quote for you.

One of the most common of these free new services is called, which is remarkably fast and easy to use. You just need to enter your zip code, and then fill out a simple online form. It takes less than 5 minutes to get the auto insurance companies, all trusted names, compete over you (which encourages them to offer you their very best rates). You’ll be surprised at what you can save.

According to ComScore’s 2012 U.S. Online Auto Insurance Shopping Report, “nearly 70 percent of shoppers reported getting an online quote”. The report also found that “the online channel remains the preferred channel for customers shopping for auto insurance policies”.

If you too would like to receive the benefits of using a free car insurance comparisons service you can simply visit one of the top comparison websites, enter your zip code and some basic information and within minutes you will gain access to the system’s no obligation quotes. Once you go through a few questions, you will have the opportunity to compare the best carrier quotes available in your area. Fast, Easy & Free.

In the end, you have to realize that you can save $100’s a year if you just do a little homework in regards to car insurance. Forget the ads that say there are “tricks” – there really are no tricks except the things we mention above. Be aware of what you can do, learn about what kind of discounts you may be eligible for, and let the insurance companies come to you with their best offers, like they will when you compare them.

Best of luck, and happy savings!

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