Affordable car insurance is an elusive concept but if you follow these steps, you have a great chance of slashing your next auto insurance bill. The key to finding the most affordable rates is to shop around and take advantage of available discounts.
How to shop around for affordable car insurance
Being a licensed propery and casualty agent, I can give you a few pointers about the best way to find affordable car insurance. The key is to compare rates from as many companies as possible, including independent agents, captive agents and online companies. There may be some overlap, since some online companies also sell via the independent agent channel, such as Progressive Insurance.
If you have access to an independent agent, that would be a good place to start your search for affordable car insurance. Independent agents write with many different companies and can do the legwork for you in comparing rates. They may write with smaller companies that don’t have large advertising budgets and you may not have heard of. This is not necessarily a bad thing, as long as the companies have a solid financial rating. Read the rest of this entry
