6 Methods to Save on Car Insurance in Bedford

Purchasing affordable Bedford car insurance on the internet can seem to be impossible for beginners to online price comaprisons. With so many choices of online companies, how can you possibly compare every one to find the best pricing?

It's important to do rate comparisons quite often since rates are constantly changing. Despite the fact that you may have had the best rates a few years ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about car insurance online but I'm going to show you some great ways to save money.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. This information will help you learn the most effective way to quote insurance. Nevertheless, New Hampshire car owners do need to know the way companies compete online.

Save big with these six discounts

Companies that sell car insurance don't always list all their discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find car insurance savings.

Discount for Life Insurance - Larger companies have lower rates if you buy life insurance.
College Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
55 and Retired - Mature drivers may be able to get reduced rates.
Driver Safety - Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.

It's important to understand that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way.

To see a list of companies who offer car insurance discounts in Bedford, follow this link.

Low Cost Bedford Car Insurance

There are several ways to compare rate quotes from local Bedford car insurance companies. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quotes for each company you want a rate for. One form will get you rate comparisons instantly. It's the fastest way to compare.
A different way to get quotes online requires you to visit the website for each individual company to complete their respective quote request forms. For examples sake, let's assume you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Bedford, click here.

It doesn't matter which method you choose, just make darn sure you compare the exact same coverage information on every quote you get. If you use unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best in Bedford. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, more quotes will increase your chances of finding the best offered rates.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.

These are some specific questions may help you determine if your situation might need an agent's assistance.

When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Bedford?
Should I buy additional glass protection?
Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Does medical payments coverage apply to all occupants?
Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to say the same thing of big savings after switching to them. How do they all make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. The ads state "drivers who switch" not "people who quote" save money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Final considerations

When shopping online for car insurance, you should never reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage for the lowest price.

Low-cost car insurance can be bought from both online companies and with local Bedford insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for any number of reasons including delays in paying claims, not issuing a premium refund, denial of a claim or questionable increases in premium. Whatever your reason, switching car insurance companies is actually quite simple.

More sites with car insurance information

More tips and info about car insurance can be read at the New Hampshire Insurance Department website. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, and learn about insurance regulations.