Tips on Finding Local Car Insurance Agencies

There’s just something about old-fashioned service at local car insurance agencies. Though the internet has revolutionized shopping for any and everything, talking to a live person that has a personal stake in your insurance policy selection by far provides better service and can even save you money in the long run. Following are some tips designed to help you find the best rates on auto insurance policies.

1. Be willing to pay a slightly higher deductible. Your deductible plays a huge role in determining the price of your auto policy premium. This is the amount you pay out of pocket before the insurance company pays their part.
2. Purchasing all your insurance needs at one agency. Insurance agencies want to provide for all of your insurance needs—home, life, and automotive, and are glad to give a discount for this option.
3. The newer the vehicle, the better the rate. Getting cheap car insurance may depend on the age of your vehicle. Most  insurance companies give a discount for new cars.
4. Make sure you know what is legally required by your state. There can be lots of added “filler” fees added to your premium, such as fuel usage penalties for not using a hybrid fuel.
5. Carry uninsured and/or under – insured motorist coverage. Though this may cost you more on a monthly basis, it will save you loads of money were you ever to be in an accident with this type of motorist.
6. Make the most of driver discounts. Many local car insurance agencies offer a wide variety of driver discounts depending on the carrier. Some of these include: a good driver discount, multiple line discount, multiple vehicle discount, senior citizen discount, and good student discount for any young drivers in your household.
7. Having your vehicle “armed” with an anti-theft device. Insurance companies give a deeper discount for automatic anti-theft devices rather than manual ones.
8. Ask your friends and shop around. There are many resources at your fingertips to find the best cheap insurance quotes. Your friends and family are your most reliable asset—what local agency do they use? Local car insurance agencies add that personal touch, and may even find you cheaper rates than you can find online!