How To Get Cheap Auto Insurance Quotes
Auto Insurance Quotes
Most people do not enjoy receiving auto insurance quotes unless they are saving money doing it. Our goal is to help you find cheap auto insurance quotes in a fast efficient manner. Getting quotes can be very time consuming so we want to give you some helpful tips to save you time and money. One important thing to remember is don’t believe everything you see advertised. There are tons of false advertisements that claim to have insurance for $19 monthly. We all know that is not possible so be leery of an insurance company who grossly misprices their ads. The old saying is true when something sounds too good to be true it usually is. Auto insurance companies cannot accurately advertise pricing without gathering important information that relate to their rating factors. Here are several pieces of information an auto insurance company must have to give you an accurate auto insurance quote:
So, if the insurance company has not asked you the above questions and say they can give you a quote for auto insurance for $19 monthly it is more than likely not true. The insurance companies who use credit as a rating factor will need more info than companies who do not. Most of your standard national carriers will use credit as a major factor on auto insurance rates compared to nonstandard auto insurance companies who usually do not use credit as a factor.
When is the best time to shop for new auto insurance quotes?
The best time to search for new auto insurance quotes is at your renewal time. The main reason is because after your first 6 month period with a carrier is when you qualify for the prior insurance discount. This can save you up to 15% on your monthly rate. Also, at your renewal you may have tickets or accidents falling off your record that will no longer be charged for. It is also a good idea to let your current company know that you are shopping. Once they know this, they will be more inclined to give you more discounts also. Auto insurance companies want your business and will do more than you may think to keep it. Another good time to shop auto insurance is when you are moving from full coverage to Liability only. Insurance companies usually have niche prices, some are better for full coverage and some more so for liability. So the company who gives you a cheap insurance quote for full coverage may not be so cheap for liability only. This is when you would want to call around and see if you can find that company who specializes in liability only auto insurance.
Is it safe to get auto insurance quotes online?
Yes, in most cases it is safe for consumers to submit for an online auto insurance quote. Although be careful on what information you are putting out on the web. Never give your social security number, no auto insurance company should need that for an accurate quote. But many people love the convenience
of getting an auto insurance quote online without talking to a human. We have found very few insurance companies have the technology to give an accurate quote directly to the consumer online. Although some people like the online quoting method, calling an auto insurance company and receiving a quote by phone is still the most popular way for consumers to receive a quote. When talking to an insurance professional it makes customers feel at ease and confident they are getting the coverage they need. Plus, auto insurance can be complex and unless you are a licensed agent you may not be familiar with what a lot of the coverages actually cover you for. One other thing to be aware of is if you are getting an auto insurance quote on an online quote comparison website is that sometimes they are actually lead generation website that sell your info to other auto insurance agencies and then they call and text you to try to quote you. This can drive some people crazy because you can receive a lot of calls that may be unwanted. Some of these insurance agencies will store your info in a CRM system and continue to call, text and email you for a long period of time to try to win your business.
How to find cheap auto insurance quotes?
If you are looking for the cheapest possible auto insurance quotes it is important to make sure you are contacting an auto insurance company that specializes in your situation. For instance, if you have a bad driving record and horrible credit you may want to get a quote from a nonstandard auto insurance agency instead of a major national chain that rates heavily on credit score. Below is a list of nonstandard auto insurance agencies in Oklahoma and Texas:
On the other side of the spectrum if you have great credit, multiple cars, and own your home you may want to contact a more preferred insurance company that can bundle your home and auto together. This can save you up to 20% off your insurance premiums. Here is a list of some preferred insurance companies to choose from:
We all want a cheap auto insurance quote but it is important to make sure that insurance company can also provide good customer service and claims service. These two things can be just as important as your monthly premiums especially when you are involved in an accident. So be sure to pay attention to the insurance company’s reviews on Facebook and Google. Also, if you know someone who has had past experience with that customer be sure and ask how their experience was. Nothing like a personal referral to see how an insurance company actually does business.
How to get the most discounts on auto insurance quotes?
One of the benefits of getting an auto insurance quote from a licensed agent is they can help you get all the discounts you qualify for. Every auto insurance company is different on what discounts they offer and how much of a credit they give. For instance, if you are in the military USAA offers a large amount discounts for you. There are several other companies who offer discounts for military members but few compare to USAA.
Here are a few discounts that you should always ask for when receiving an insurance quote:
There are many other discounts out there that may harder to qualify for like a Homeowner discount or Paid in Full discount, but if you qualify for it then always ask for it. When you are shopping online all of these discounts may not be easy to find on the website so always be sure and look for them and make sure they are applied.
World’s Fastest Anonymous Quoting System
Cheapest Auto Insurance is proud to announce the World’s Fastest Quoting System. Our new quoting system is like nothing else in the insurance market today. We allow customers to get on our website and receive an accurate quote in less than one minute. We only ask 7 questions then if you like the rate you can click to complete the policy and finish the policy completely online in less than five minutes. We have seen over the years how many auto insurance companies make it very complicated to purchase insurance which is why we have decided to change the way you receive online quotes. Many insurance companies ask for tons of unnecessary and invasive information that is not necessary for an accurate auto insurance quote. This is a key factor that separates us from our competitions we make car insurance quotes fast, efficient, and affordable. Below are our goals to provide each customer with their auto insurance quotes:
· Simple quoting process that anyone can navigate through
· Great rates to help save you money on your car insurance
· A fast efficient quote, our quotes should take less than one minute to complete
New To Cheapest Auto Insurance?
Getting an auto insurance quote doesn't have to be a hassle. Here at Cheapest Auto Insurance our agents are able to get you a quick quote that fits your insurance needs! Call us at 918-744-5145 or to take advantage of our anonymous quoting system click here!