Ever wonder why one of your friends or family members is paying hundreds of dollars less for the very same car insurance coverage you have? There are a number of things that factor into what you pay for your car insurance policy, but some of it has to do with the car insurance agency you’re working with. Want to make sure your car insurance company isn’t taking you for a ride? Here are some things you need to consider.
The first thing you need to do when checking prices from one car insurance agency to another is make sure you are getting apples to apples comparisons. If one company is quoting you on $50,000 worth of liability and another is quoting you for $100,000 worth of coverage and the price of the $50,000 coverage is just slightly less, you’re not really getting a good deal are you?
Another thing you need to factor in when choosing a car insurance agency is what discounts you will be eligible for. Will the agency provide you with a multiple-policy discount? Can you get a discount for being a student or female driver? Ask about the discounts you will be eligible for. Sometimes you won’t get a discount if you don’t ask for one.
It is also important that the agencies you are getting quotes from actually pull your credit report and driving record before providing you with a quote otherwise the rate you are quoted might not actually be the premium you end up paying. The only way for an insurance agency to provide you with an accurate quote is to pull your personal information.