Saving money in this economy can be tough. Rather than packing your lunch everyday or doing a daily energy audit on your home, one of the most obvious ways to save money is to compare online car insurance quotes. Shopping around for the best car insurance quote is something you should do at least once a year. You can literally save hundreds of dollars a year on your car insurance rate by taking a few moments out of your day to compare quotes from different online car insurance companies. If you are in the market for online car insurance quotes, arm yourself with knowledge before you embark on this research frenzy. The first thing you should know about online car insurance quotes is that you will probably pay a lot less if you go ahead and pay your car insurance bill ahead of time. Be sure to check if the car insurance company you are considering will give you a discount for paying your policy in advance. Many well known car insurance companies give this discount to their clients and if you aren’t getting this discount currently, you could be spending too much money each month. If it is within you budget, first check which quotes are cheaper by paying ahead of time instead of monthly quotes. There may be a quote that is more expensive if you pay month to month, but if you pay in advance, the quote may be cheaper than the competitor.Another helpful tip for buying car insurance online is that you should always print off your quote and reference that quote number in case you are given a different quote by the same company. If you select a car insurance company with a local agent and try to take that quote into their office, they may or may not give you the policy at that rate. Since the local agent has to earn their commission, they might markup your quote and ask you to pay more money. This is why it is important to search for car insurance quotes online before considering a local agent, even if the company you considering has a local office.

While one quote might be better for your pocket book than another quote, you may not be getting the best policy for your money. The purpose of insurance is protect yourself and your assets should the worse case scenario happen. The last thing anyone needs is a major medical expense or financial loss because of an accident and not have adequate cheap auto insurance quotes to cover some of the claims. For example, if you have a paid off $30,000 car and you drive hundreds or thousands of miles a week, you might want to think twice about purchasing the cheapest insurance you can possibly find. Liability insurance may not be best for you given how many miles you drive and the value of your car. However, if you have a paid off $30,000 and you drive less than 10 miles a week, getting the cheaper rate may be a better idea.

No one wants to think about getting in a car accident. According to the National Highway Traffic and Safety Administration, you stand about a 30% chance of getting into an automobile accident in your lifetime. That means 1 in about every 3 people will be in automobile accident regardless if the accident is their fault or not. It is better to be safe than sorry and buy the right automobile insurance policy by researching the best online car insurance quotes today.

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