A quoted price isn’t always the cheapest!
Most people think that simply shopping for an instant car insurance quote will immediately save them the most money. Car insurance companies offer a lot of different discounts that they don’t necessarily advertise just because it takes up too much time and space. When you are shopping for a cheap online car insurance quote, most websites only ask the most basic information. They base their quote off of three factors: your driving record, you personal information (age, sex, marital status, etc.) and the type of car you drive. However, car insurance companies offer discounts on everything from safety features on your car, low-mileage discounts, good student discounts, and even your profession can save you money. Once that you receive your instant car insurance quote, or quotes, you should call the insurance company with the best quote and inquire further.
If you are a student looking for cheap student car insurance, most insurance companies offer a good student discount. If your GPA is high then with a copy of your report card you could save money on your premium.
The state of Florida requires car insurance companies to offer a discount for cars with an anti-lock brake system. Know the safety features of your car before beginning your search for cheap Florida car insurance.
Quotes may not be accurate!
When an insurance company gives an instant car insurance quote for other companies it may not be the cheapest insurance you can get from a particular company. To maximize your discounts and receive the most recent information after searching for a instant car insurance quote online, your best bet is to call the phone number on each quote and verify the accuracy of the quote and to ask about any unadvertised discounts.
Your sex will affect how much you pay!
According to the NTSB, men are 77% more likely to be in a fatal car accident than women. If you are looking for a woman car cheap driver insurance, then you will be quoted a lower premium than if you are a male.
Time of day matters!
If you are shopping for an instant car insurance quote it is best to look first thing in the morning. That is when most people shop for car insurance, so companies put their most competitive quotes online in the morning.
You don’t have to report every accident!
Most drivers are under the impression that they have to report every accident to their insurance company. If you have been involved in a minor accident with no injuries, such as a fender bender, you are not required to report it to your insurance company. Any accident, even a minor one, can raise your premiums. If you and the other driver agree to settle outside of your insurance companies, this could potentially save you money on your premiums down the road. Experts in the industry have suggested that you acquire at least three quotes.