Monday, 1 June 2009

The Easiest Way to Find Cheap Car Insurance Rates



If you search for the car insurances on Google, you will get more than 50 million webpage links. So what do you do to find the cheapest rates possible with so many options? Do you stop at each site and repeatedly provide the information requested or is there an easier method? Sounds like a lot of work!
OnlineAutoInsurance.com provides a much easier solution. By only completing one set of questions, an instant rate comparison can be made from a variety of quality insuring companies with recognizable brands. This is, by far, the easiest way find cheap car insurance by comparing quotes and choosing the cheapest one which offers the coverage you need.
While on your quest to finding the cheapest insurance, you must be clear about what you want. There will be multiple choices in front of you under which you must make a choice on important factors such as a low price; however, there are alsoimportant factors to consider such as coverage. Of course, the less coverage you get, the cheaper the rates, but there must be a balance between both. Although if you strip down to the bare minimum protection it can save money, in the long run it may cost more if you are caught under-protected and have to pull money out of pocket to cover expenses.
The Internet allows users to analyze data and complete further research on specific insurers. Download brochures and policies to include in the comparison and consider the number of services provided and ease of filing claims. The often overlooked aspects are the important ones. Take for example customer service which can be overlooked until it’s needed. There could be tough decisions between the various companies offering cheap quotes and at that point, you must review all aspects and make a decision based on which makes you feel more comfortable.
Tips for Cheaper Auto Insurance Rates
Take advantage of the different discounts provided by the various insurance companies and thus ensure cheaper rates. Be aware that most insurers will offer lower premiums for those who drive less. If you drive a small amount of mileage to work or school, you may fall into a lower costing category.
Multiply your commute one way to work by 500 and then add 5,000 to get an estimated annual mileage.
Example: 5 miles to work one way X 500 = 2500 + 5,000 = 7,500 annual mileage
Although the formula above varies within carriers, it should give you a good idea if you qualify for cheaper auto insurance rates through a low mileage discount. Possibly, any commute under10,000 annual miles will generate the cheapest rates because the less on drives, the lower the risk of having a loss. For more tips on savings, check out the video on how to find the cheapest auto insurance rates online which provides more details.

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