You are drinking your beer and watching your favorite team play on the TV. Suddenly you see several advertisements for car insurance in the interval. These companies love prime time TV and spend tons of money to appear at your home. They also love to promise great rates for you. Some of them promise a dollar amount and others a percentage savings.
As a motorist who pays premiums you would be interested in looking into them and perhaps call the number on the screen. This wouldn’t be a bad idea actually. Why not test to see what they can really do for you. Anyway those companies are usually the big ones. There is a big competition for prime time TV advertisements and many small companies are driven out by their bigger competitors.
Since you are thinking of checking out prices why not look at other avenues as well. There is at least hundred other carrier regardless of which state you live in. One of the other ways of getting quotations is on the internet. There are a few comparison websites to check and you can reach companies directly as well. Comparison websites may be better option for you since they are going to provide several prices in a short space of time.
All you need to do is to get a drink and start filling your details on the forms you come across. It may be sensible to check the credentials of the site you are visiting. You should also get out your current policy, driving license and vehicle log book. There may be questions that require you to reference to these documents. The whole process should be over in minutes rather than hours and therefore, you won’t have time to get bored.
If you find the prices to be reasonable you may be able to get a more comfortable and inclusive policy for less than what you were paying before. If not, you may just want to pocket the savings. Whichever way suits you but you should first find the competitive carriers. This will allow you to do various checks and look into different level of coverage.
A more traditional approach is to use a broker. Again there is a secret to it as well when you want to save money. There are two kinds of automobile insurance intermediaries. They are independent brokers and tied agents. Tied agents, as the name suggests, are working with a particular insurance company and only sell the products from them. They can explain everything you want to know but only limited to certain policies and providers.
This is not the case with independent brokers as they can get prices from all of the market. They now use complicated search tools that allow them quickly see what is available in the market for your type of a driver. They would have a lot more insight about each company since they are regularly doing business with them. There you have your options and you now know you can use a lot more sources than a phone number on the screen.