Will Auto Insurance Discounters Really Save you Money?

Written By: Mark Bradshaw on November 2, 2009 No Comment

Almost everybody must have car insurance in order to drive legally. Every US state requires drivers to prove financial responsibility, and for most people, that means having an auto insurance policy.

Do not misunderstand me. Different drivers will cost different amounts of money to insure. An accident, traffic ticket, or even a special car can make one driver very expensive to cover. But that does not mean that any driver should accept the first quote they they get.

In my own experience, I went with a so-called discount insurer. After I added my teenager and another used car to my policy, my rates tripled! I called the company, and they insisted it was the best they could do. I called my agent, and she shopped some companies for me, but could not offer me a better deal.

I had accepted these high rates, but I was wrong. I stumbled upon a competitor who asked me if I wanted a premium quote. I decided it was worth a few minutes to see if they could save me money.

I was shocked. That company could offer me discounts that the discount insurer could not. With discounts, my rate dropped two hundred dollars a month!

Think about that two hundred bucks a month. That meant I could save $2,400 a year. Within a few years, I could save enough to buy another car.

It isn’t that hard to shop around for the best premium rates either! An online quote only takes a few minutes to complete, and it really can save you hundreds of dollars.

There is not doubt that some dirvers will have to pay more than others. But there is no reason to pay too much!

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