How To Get Cheap Car Insurance

Are you the type of person who believes all car insurance policies are the same? Do you refuse to believe those who try to tell you how you can actually get cheap car insurance? If you answered "yes" to either of these questions you are exactly the type of person this article is intended for. We want you to know that cheap car insurance is indeed possible. We also want to help you find out how to get it. For starters please understand that insurance is an industry in which everything is open to negotiation  skill you can convince most insurance agents to significantly reduce your price over the initial quote. You just need to know what it's you are looking for and how to push their button.

Before you even start looking for quotes consider the following questions:
1. What are the liability requirements in my state?
2. Does my bank require me to carry comprehensive and collision coverage?
3. Do i want extra things like full glass and roadside assistance?
4. Can i afford to pay the entire policy premium profit?
5. What do my driving history and credit look like?

Obtaining quotes
The first three questions listed above are extremely pertinent when you start asking for quotes. Whether you use an online quote tool or speak to a representative in person, you will need to know what liability requirements are in your state and whether or not you want to increase them for your own protection. If you have already determined the minimum liability i sufficient don't let the insurance representative convince you otherwise.

In term of collision and comprehensive coverage, you really need to know this before you get started on the quote process. That is because there is little negotiating room here. If your bank requires you to carry it your premiums will be determined by the value of the car you drive. On the other hand, extra coverages can be used as negotiating chips in other to keep the price down.

Negotiating with insurance companies
With multiple quotes in hand you will have to narrow them down to your top two or three choice. Then get on the phone and talk to an agent with the sole purpose of convincing the individual to give you a better rate. This is where the last two questions from above come into play. more info