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If you want to save money on your auto insurance, keep in mind that there is not one company out there that will always give out the cheapest quotes. Although there are many commercials from insurers saying that they are the best, this is not the case.
You have likely seen Progressive’s Flo and Geico’s world famous Gecko. Yes, both Flo and the Gecko are very admirable. Despite this, you should keep in mind that they were created to make you want to shop with only the advertising insurer.
Auto insurance quotes can vary by hundreds (sometimes over a thousand) of dollars. The price you get depends on who you ask. The more you ask, the better.
Your state insurance website, which you can access from the NAIC site, may have a survey, which gives sample rates from your local insurers. These surveys are created not so you know which insurer is the cheapest, but to remind you that the best thing you can do, when getting a new quote, is to shop around.
Although there are online comparison sites for auto insurance, they may not be the magic bullets that you think they are. Because their goal is to make money, you may not find the lowest insurance provider because that company does not pay that site commission. Furthermore, the prices you get from some companies may be lower because you have not talked to them directly and asked about eligible discounts.
If you find it hard getting a reasonable car insurance quote (maybe your credit rating needs improving or you have a less than stellar driving record) you may want to speak to a local independent agent as they are connected to many insurers and can connect you with the best one for your particular situation.
If you go to the car or auto insurance section of your business directory or Yellowpages you’re going to see a long list of agents. If the name of the agent is something like Best Deals Car Insurance, the agent is likely to be independent. If, however, the name is something like Ian Michaels-State Farm Insurance, it is an agent who can give you a quote from one provider.
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