Many people find car insurance confusing and end up paying more than they should. The monthly payments – or premiums – depend on several things: your level of coverage, the company insuring you, and how much of a risk the insurance company deems you to be, to name just a few.
The popularity of the internet has made it easier than ever to find and compare car insurance online. Most companies can give you a quote fairly quickly: in general, it will take from between ten to twenty minutes to enter the required information into one of the online application forms. There’s also usually a free number to ring if you want to talk to a person. At AutoInsuranceWorld.net, we aim to give you a quote in under five minutes!
Obtaining car insurance quotes online is fairly straightforward, although there are some things you should keep in mind. Not all insurance companies will provide an instant quote on the screen in front of you like we do, and will instead email the quote to you or ring you at a later date.
Some car owners don’t realize that even if their current policy isn’t up for renewal just yet, some insurance companies will allow a customer to cancel the policy if they decide to switch insurance companies. In this case, you are generally entitled to a proportional refund.
There are several ways you can reduce the cost of car insurance. Premiums are lower if you keep your car locked up in a garage overnight – over 50 percent of cars are stolen at night. Otherwise, try to park in your driveway rather than on the street – this will also decrease the chance of theft or vandalism.
Make sure you accurately report the mileage that you drive in a year: don’t pay for too much mileage. A change in employment or lifestyle may mean less mileage. Many people don’t bother to change their car insurance details when this happens. Keep your insurer abreast of any such changes.
Having a car alarm or immobilizer installed in your car will usually result in lower payments. Insurers like to see customers take positive steps to protect their property.
Additionally, your past driving record also has a significant effect on the cost of your car insurance. Companies generally like to see a clean driving record, so make sure to drive carefully! In the long run, this will save you money and keep you safe.
So what are you waiting for? Start saving today and get your free quote at the top of the page!