Thursday, March 12, 2009

Car Insurance Quotes

By Gary Helfman

Recession rarely makes for a fun economy, and people are really feeling the tough times. One of the first things you should look into is your auto insurance coverage. But just how do you reduce your premiums, and get some much needed dollars back in your wallet for the tougher times ahead? Here are some excellent tips and techniques to get you a more affordable, yet quality, auto insurance coverage for yourself, you're passengers, and your vehicle.

Do You Know Why You Need Insurance?

Aside from the fact that most states mandates car insurance for drivers, knowing why you need auto insurance will help you choose the right policy, and avoid spending money on unnecessary/redundant coverage. Base your purchase on the following: The number of people riding/using the car, the actual market value of the car, and the frequency your car is used. You don't want to buy a full comprehensive policy worth a thousand dollars a year for a $500 car, right?

Look In The Right Place

Yes, brokers and agents can give you quotes, but most of the time these are from limited sources (and you may even get charged for it). A far simpler and more efficient solution is to search online.Free online car insurance quote portals are available to provide you free online car insurance quote checks. You also get information from more insurance companies and get to compare prices more efficiently.

Before You Buy The Policy

Once you do find a policy or two that you're interested in. Don't jump on it just yet. You may even save more money by finding out what discounts you're eligible to get, by haggling for better rates, by choosing a higher deductible to get lower premiums, or by signing-up for annual payment schemes to get better prices.

So save time and effort, go to the Web and get your free online car insurance quote today. It just takes a bit of searching to locate the most affordable rates and policies that best fits your needs but the savings you can get, especially in the long-run, can be substantial.

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