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Can You Really Lower Your Car Insurance Rate?

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With all the advertising we’re bombarded with daily, it’s no wonder many of us are lost when it comes to how much we should be paying for car insurance.

You’ve probably seen the ad campaigns that claim we’re all paying at least $500 too much for car insurance…no matter who we purchased our policy from.

How can it be possible that every company out there is overcharging us? Based on their math, we’d get insurance for free if we switched insurers three times a year. So what’s the real story?

Well, the reality is you may be able to get a better deal on car insurance by switching insurance companies.

low rate

There are hundreds, if not thousands of car insurance companies out there trying to snag our business, and every insurance company changes their rates from time to time.

If you suspect you’re paying too much for your car insurance, note that loyalty to a particular company will cost you. If you have been with the same company for over two years, there’s a good chance another company is offering a lower rate.

Do your research. No matter how many commercials a particular company has on television or how many people they insure, it doesn’t mean they’re the best option for you.

It is recommended you contact a local independent insurance agent to obtain quotes from several insurers simultaneously to be certain you’re getting a fair deal.

Also, review the customer satisfaction survey results to make sure you aren’t purchasing a policy from an insurer who saves you money by skimping on service.

And always ask about available discounts, such as the good student discount and good driver discount, and even the hybrid discount!

(photo: thetruthabout, CC)

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