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Saturday, November 15, 2008

Getting Cheap Car Insurance

By Susan Tanner

If you have never shopped for car insurance before, this can be a big hassle. This article will give you the right methods so you can get the best insurance for your money and hopefully with a lot more benefits.

Plan your method of attack. Contact several different auto insurance companies by calling them and asking for a quote. You can easily find the contact details for the various companies from business directories or online telephone directories. Make sure you know what kind of insurance you need before you call, though!

You can also ask for car insurance quotes online. There are various websites that let you do so. They will e-mail your quote to you, or you can choose to have it posted through the mail to your physical address.

Once your required plans are known to the auto insurance companies, they send you the best and cheap car insurance quote as they already understand that you must be followed by a lot of their competitors. This is the sensitive point where you have to short list all these plans and then choose the ones that lie most near to your desires.

Call these companies back and ask if they can do any better. Pretend you're still shopping around for quotes. Ask for age discounts, membership discounts, even club or safe driving record discounts. There's a lot of discounts out there - make sure you get them all!

Auto insurance companies will mold their plans around your needs so that you find them attractive and beneficial compared to competitors' quotes. Good policies and low rates will attract and keep loyal customers. You should have a few quotes to choose from by now, so keep in mind your income and expenses before you make any further decisions.

When you finalize your decision, let the company know. However, try a last-ditch effort to negotiate to get them to give you as much as they're willing to do. Be polite and courteous, and perhaps they will help you out with lower rates and such.

Make sure you can get all the discounts possible before you finalize your decision. Be patient - this might take awhile, and you can lose valuable opportunities if you rush. Following these steps can get you the best bang for your buck in car insurance!

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