Though you may have already ready why it's best to avoid using an agent or broker to purchase your automotive policy, you may also be concerned that obtaining multiple quotes, comparing these quotes, and making a final decision about where to purchase is going to be an extremely time consuming task.  The opposite is true!  

Our online quote service allows users to get free auto pricing from multiple companies after filling out one simple form.  We make it easy for you to compare policies, options, add-ons, and other benefits so that you can make a smart and informed decision about coverage without paying for a middle-man agent or broker.  

One commonly asked question by consumers who are researching their options is:  How do you calculate rates?  Automobile companies use a comprehensive set of data to analyze risks, statistics, and probability, determining whether or not you are likely to cost them money or earn them money during the time you maintain your policy.  The process of risk analysis combined with the sheer number of drivers for which the major players cover ensures that the company you buy from will have the money needed to cover their policy holders in the event of a catastrophe.  

Some of the details used to calculate an auto quote are not terribly fluid.  These things include your age, sex, marital status, and location.  Young male drivers are statistically the most likely to be involved in an automobile accident, making them more expensive to insure.  Single drivers, and especially single men, are also considered high risk, as these motorists are most likely to drive faster and use less caution. Your location, too, has an impact on the risks these companies see when they look over your profile -- some locations are more frequently threatened by natural disasters like tornadoes and hurricanes that can damage vehicles, and some are congested areas where accidents are more likely to occur.  Still other areas are known for having increased numbers of stolen vehicles, while others are impacted by the type of system they have (see our article on Fault and No-Fault states for more information on how those two classifications can affect your premiums).  

Though some of the things auto insurance providers look at when calculating a quote are not easily changed, others are.  The type of vehicle you plan to insure has a big impact on how much you will pay for liability, comprehensive, and collision policies, so do your research when buying a car and consider trading in a vehicle that is considered "high risk" for a safer sedan or minivan.  You can also lower  your cost by driving a vehicle that does not necessitate collision and comprehensive coverage, allowing you to carry only a liability policy.  Older vehicles that are not on lease or loan are good candidates for reduced add-ons, and therefore, reduced rates.

You can also affect your quote by requesting that multiple vehicles be put on the same policy.  Insurance companies love to reward customer loyalty, too, so if you can find a company that offers auto coverage along with home, renters, or motorcycle policies, you may be able to accumulate some savings there as well.  

Furthermore, a quick way to reduce the cost is to adjust your deductible.  A higher deductible will translate into lower costs, since you are showing insurers that you are willing to take on more of the risk when purchasing your policy.  However, do not consider a higher deductible unless you can really afford to pay it in the event that your car is damaged, vandalized, or stolen.  

Overall and despite all these other tips, the best way to save money on your auto policy is to use a system like this one to obtain multiple quotes.  It's an easy, efficient, and effective way to compare rates, seek out the options that matter to you, and buy direct from automobile providers currently serving your state.