How to Save Big Money When Shopping For Your Auto Insurance Premiums

Whether the economic state of the country is excellent or struggling, your auto insurance costs will most likely be one of your biggest annual costs.
It doesn't matter how rich or poor you are, you should never pay too much for your auto insurance rates. Truth be told, most companies have comparable rates, but it is the way the different coverages and limits are presented that make the biggest difference.
One of the newest changes, that makes significant difference in the rates between companies, is wether or not they run and check your credit report or score. All all insurance companies offer large credits for maintaining a good credit score and they will increase your rates for a bad credit score. Unfortunately, people with even average credit can see their insurance rates rise greatly.
When you are shopping for rates make sure to get a variety of quotes from companies, both that look at credit and ones that do not use credit as a factor. The one piece of advice I have is to make certain you only look at premiums from a well known insurance company with a large financial reputation.
With the evolution of the internet, all anyone needs is 5 minutes and an email address and they can receive many quotes, from many different companies after entering their information only one time. This differs from the old days when you needed to confirm an meeting with your broker, take time off from your job, meet him in his place of business and bring all the required paper work. The usual turn around time is only a few days and each of these sites refer many different agents to bid on your insurance.
Please make sure to do a complete review and confirm that all the quotes are using the same coverages, conditions, limitations, deductibles and rating data. Never accept a quote over the phone, and make sure to get them all in writing.
In closing, the internet has made is very easy to obtain quotes fast and from numerous companies while using the least amount of effort on yourself. I would make a suggestion and advise getting a comparison at least every three years, or any time you have a major change in your current situation.
Things considered a major change are address changes, driver changes and vehicle changes. Any one of these changes can dramatically change the premium so it is usually a good time to get some good competitive quotes.