When it comes to saving money, one of the best places to start is with your auto insurance. Rates are constantly changing, more so in recent years making it worthwhile to contact your insurance agent to discuss a policy modification. Insurance companies, like most companies, want to generate as much profit as possible and therefore have little interest in sharing key information that could save you money.
Insurance rates have dropped significantly in many states and you can be certain that your agent isn’t going to be calling you to let you know their rates have dropped. Make sure you inquire about discounts you may be eligible for, from an improved driving record to age based reductions, these simple inquiries can save you hundreds of dollars per year. If you’ve recently moved, be sure your insurance company is notified as this may affect your rates as well. This one is of particular importance, simply moving to another location within the same state or region can increase or decrease your monthly payment considerably.
With so many services locking you into contracts these days, it’s nice to know that you’re not locked into your insurance policy. You can change insurance companies at any time with no penalty/cost to switch. If you’ve pre-paid, you can even receive a pro-rated refund.
Shop around, insurance companies want your business and most of the larger providers offer online quotes to better help with your purchasing decisions. I personally prefer to research and compare quotes online, then contact my local insurance agent to discuss my options. There is something to be said about the human factor when dealing with something as important as having insurance because in many cases, your auto insurer is also your home/renters insurance provider.
Below you will find several sources for receiving a quote online
In closing, finding insurance discounts is like hunting for Easter eggs, you wont find it until you look for it.