There was a time when getting cheap auto insurance quotes meant you’d have to search through the Yellow Pages for a list of insurance agents, and spend the day calling them, perhaps even having to meet in their office, before you’d have a list of cheap insurance quotes that you could compare.
These days, getting cheap auto insurance quotes is much easier, and in many cases, you can get everything you need within an hour or two.
To start, you’ll want to make sure you have your drivers license number, vehicle identification number, and any other personal information that auto insurers will need to give you a quote. If you’ve had any moving violations in the past few years, keep those dates handy.
From there, getting auto insurance quotes is as simple as visiting an auto insurance company’s website, answering a few questions, and getting an instant quote. If you look at JD Power & Associates most recent list of auto insurance ratings, you’ll see that some of the clear winners are USAA and GEICO, who scored high based on their cheap rates and great customer service.
It’s also important to remember that just because a company gives you cheap auto insurance quote, doesn’t mean they are the cheapest in the long run. Many will try to bait and switch by offering low rates now, but dramatically raising your rates after a “driver history check,” or in the event of a moving violation or accident.
That being said, you should always check your current auto insurance rates against those in the industry, and anytime you can get a better deal, you don’t have a lot to lose by switching. There is no penalty, aside from losing a long-term customer discount, with changing auto insurance companies, so I try to check rates every 6 months or so, upon time for my semi-annual renewal.
In most cases, if you find a cheap rate that saves you money, then you can cancel, switch, and have your new ID cards in less than 24 hours. Some auto insurance companies will require an inspection, but they usually give you 30 days to get this done.
At the end of the day, getting cheap auto insurance is as easy as going online, filling out a few forms, each asking the same questions, and comparing rates between companies. The only caveat is to make sure that when comparing rates, you are comparing rates for the same coverage.