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You’ve got plenty of bills; you don’t really need any more. So why are you spending way too much money on your car insurance?

A recent study done by Insurance.com revealed that car insurance rates have been plunging in recent months, savings that are being reflected in new policies being issued to draw in and keep new customers but aren’t being shared with their loyal policy holders. Car insurance renewal policies are actually higher than they have been in previous years, leading many drivers to believe that companies are offering their new comers tremendous savings at the expense of their other customers.

Are you spending too much?

The good news is, you’re not obligated to keep running in their trap like a rat in a maze. You can enjoy the same savings they’re offering their new customers, and find the cheap car insurance rates you should have been paying in the first place, if you’re willing to walk away from that maze and go shopping for a policy that’s going to give you the savings you deserve.

The first thing you need to do is start shopping around. No two car insurance companies are alike, and your first offer is unlikely to be your best. Don’t sign on the dotted line with the first insurance provider that bats their baby green savings your way unless you’ve done your homework and can say, without a doubt, that this is the provider that’s going to cut you the best deal on your car insurance.

What differentiates most car insurance companies isn’t the type of insurance they offer (although some companies may be willing to go higher than others) but rather what discounts they’re willing to give you to help cushion some of the cost of purchasing their policies. These discounts are what are going to give you the inside track to having cheaper car insurance than the Joneses; if you’ll recall today’s most popular car insurance commercials, discounts are every insurers key selling point.

There’s no reason not to make that work for you.

The discounts you’re going to find are going to vary between providers, since there’s no universal system that guarantees the same discount for every feature; however, regardless of where you go you’ll probably be given the opportunity to knock a few bucks off your premium courtesy of:

1) Your good driving record. Insurance companies love good drivers, since they don’t cost them a thing, and they like to reward that diligence out on the road with their five year good driver discount-a savings that can go as high as 25%.
2) Your credit score. Responsibility in one arena often equals responsibility in another, and your credit score can be an invaluable asset in helping you save money on your car insurance.
3) Where you live. Urbanites are always going to pay more for car insurance because they’re always at risk; between packed highways and street parking there’s almost no way to guarantee your car’s going to be safe out on the city streets.
4) Your job. Yes, insurance companies do keep a list of the most dangerous jobs in terms of probability they’ll be involved in an accident. Teachers and engineers are considered to be among the safest, while traveling consultants and salesmen are usually a much higher risk.
5) Your car’s safety and security features. No one wants to deal with the hassle of a lost or stolen car, and increased safety features minimizes the chances that your passengers will be seriously injured if you’re in an accident-both of which equate to good sense for you and major savings for your car insurance company.

Stop overpaying for your car insurance policy. Kick that old habit to the door and find out what’s waiting out there for you today.Anthony M. Peck is the Senior Developer, Software Project Manager, and Director of Business Development for QuoteScout.com, specializing in matching consumers with the best rate on their car insurance. For more information, visit them on the web at http://www.QuoteScout.com.
How to Avoid Spending an Extra Penny on Your Car Insurance

Like almost every business, the insurance companies have been hit by the rough and tumble state of the economy. While everyone is struggling to make ends meet, the costs of auto insurance has been on the rise. This is not good news for those who have lost their jobs. Are you looking for ways to save on auto insurance?

You should be aware that your state may have mandatory minimum insurance requirements. If you are looking for the bare minimum of insurance coverage as well as price, then you must know what that is before calling to find pricing. The insurance companies may not come right out and tell you what the minimum insurance level is because they want to provide as much coverage as they can. Remember insurance companies are profit driven like any other business. The TV commercials may make you believe that the insurance company is only looking out for your best interests when what they’re really looking out for is their bottom line.

Don’t consider dropping insurance entirely even if you’re out of a job. It is better to cut the type of coverage you have than to quit paying for insurance altogether and drive illegally. Some states consider driving without insurance a misdemeanor which is one step below a crime. You really should spend some time evaluating your budget. Does your budget allow for full coverage? Do you need to cut back the liability insurance to the bare minimum? Would the tradeoff of a higher deductible and lower payments be best? These are all questions only you can answer but the answers will help in your quest to find the best insurance for your needs.

Ask about any discounts you may qualify for. Increasing the amount of the deductible could decrease your premiums. Look at the value of your car, if it’s more than 10 years old it may not pay to have comprehensive coverage. Different makes and models of cars, trucks, vans, and SUVs have varying records of safety and theft. If your car make and model gets stolen or vandalized more often than average you should be able to lower your premiums by trading for a model with a better safety record and lower theft record.

Shopping around is the best advice anyone can offer. There are numerous insurance companies all fighting for your business. If you know exactly what you want, you should be able to go online and get several quotes. That would be the ideal thing to do to find the lowest cost in insurance available.Looking for cheap insurance? Get free insurance quotes Dee Power is the author of several nonfiction books. She writes on debt management and how to buy a foreclosure

We see commercials for car insurance every day and the insurance business is booming, but if you are new to buying insurance or are looking to find a new company to work with the process of finding a good car insurance agent can be tough. You need to find someone who you can trust, will listen to your needs and understand what you are looking for, not someone who is trying to sell you on every bell and whistle a company offers. If you are intimidated by the process of finding a new agent, here are four tips on finding a new agent.

1. Ask Your Friends, Family and Co-workers

Anyone who drives (which is essentially all of us) has insurance and has dealt with an agent or agency in some way shape or form. Ask people you trust for recommendations and experiences with agents. You will get a variety of responses, but be sure to press a little on why someone likes the agent or does not like the agent, don’t settle for answers like “he’s nice.” Certainly a nice agent would be preferred but you want a good agent who will give you the best rates, the best coverage and will listen to your needs before recommending a product. I would take a grumpy agent and a good rate any day!

2. Call Insurance Agents You Already Deal With

Maybe you have a life insurance or home owner’s insurance agent that you already deal with and are already comfortable with. Give them a call and see if they deal in car insurance as well. Many insurance agencies span the entire insurance spectrum and often times insurance agencies will offer you a significant discount if you hold multiple policies with them. If you are not comfortable with your agent ask any perspective new agents if they deal in life insurance or home owner’s insurance and transfer all of your policies to the new agency.

3. Interview Car Insurance Agents

If you still can’t find an agent that you are comfortable with pick a few out of the phone book and give them a call. If you can’t get through to them or if they don’t call you back quickly cross them off the list immediately. For those agents that you do talk to ask them background questions like how long they have been in the industry, what types of insurance products they deal in and any kind of certifications or agency affiliations they have. This can be a good way to weed out any agents that are new to the game or not very well qualified. It’s also a good way to see how responsive they will be in the future.

4. Contact an Independent Agent

In your search of a car insurance agent, one of the smartest things you can do is to seek out an independent agent. Independent agents will search a variety of company’s rates and find you the best deal across many companies, rather than other agents who are tied to a specific agency. Put simply, independent agents work for you while other agents work for their company.The Affordable Car Insurance Guide is dedicated to helping you find auto insurance online. If you would like to save money on car insurance check us out.