If you’re looking for affordable car insurance companies, if you want the best deal you can possibly get, then the first thing you want to do is get the big names out of your mind. Certainly, you might just find that one of those big, national companies actually does, in fact, have the best deal available for you, but it’s not a certainty, so don’t go thinking that they offer the best service and coverage for the lowest price just because they have the most powerful advertising campaigns.

What you want to do is start from scratch, more or less. Don’t have any particular company in mind, rather, have a specific price range in mind. It is entirely possible, with enough shopping around and a clean driving record, to be paying less each month for insurance than you do for your power bill.

So how do you find these people? Well, first of all, you don’t want to go do all of the footwork yourself. There are hundreds, thousands of insurance companies out there, and only one of them will give you the best coverage for the lowest price.

Don’t do all this searching yourself, rather, go through an online insurance agency. This way you can make sure that you’re getting the very best deal without having to spend hours going through quotes yourself.

Because agencies work on commission, rather than by pay, you may be worried that they’re going to look for a bigger ticket sale so that they can earn a higher commission. That sounds like a sensible theory except that, first of all, it’s illegal, and secondly, how long do you think they would stay in business if they kept sticking it to their customers? Not long. Even if its the insurer that pays the agency, they still need YOUR support to get paid.

The most successful agencies are the ones with your best interests in mind, simple as that.

The second thing to keep in mind is simply this: There’s no one “best insurance company” or “lowest cost insurance company”, rather, there is the best for you, the lowest cost for you. A company that specializes in full coverage, for example, would be better for someone with a new car. One that actually specializes in bottom dollar prices on the other hand might be better if you’re driving a clunker that you don’t need full coverage on, and there are several other factors at play. This is why the quotes you get through an agency are so important.

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Category: Finance/Insurance
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