Insurance rates????

Question

my insurance is way too high...I have insurance with a nationwide company....and I have to have full coverage because I'm financing the vehicle. My question is..where can I go to find some cheaper insurance? I heard that smaller companies around where you live usually offer cheaper rates? Is this true?

Answer 1

You are better off finding a local independent agent.  The represent multiple carriers and can shop your rate every time it increases if you want them to.

Answer 2

There is not ONE insurance company that is good for everyone - as there are too many variables to consider!

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Answer 3

That could possibly be true but you have to consider everything.  Perhaps some smaller companies give you lower rates but when you need to get ahold of them they only have a 1800 # that is not convenient for you at all.  What I would suggest is going to or calling several of the larger companies to get quotes and see which one will better suite your needs.  I work for Farmers but I have state farm for all my insurance needs.  It is all up to the individual person and what they need as to which comany is better for them.  Like I said I work for farmers and they have had 3 rate increases in the past year so i do not have them.  Just call around, the only thing I would suggest is not to get  one of the hole in the wall place b /c with my experience they do not pay out on claims, they find any reason not to.  Good luck!

Answer 4

find at http://theclickinfo.com/insurance.go