It has long been the case that the main method of policy shopping has been in person, conducting business face to face with a broker. Consumers have gotten used to the expensive costs of broker fees, and worse still, they have grown accustomed to passively shopping for their own automobile insurance. They have been trained to wait patiently on the opposite side of the computer screen and to have only minimal say-so in their shopping decisions.
Online technology has made it possible for consumers to get insurance without the use of a broker. This means no fees, and the ability to retain absolute control when it comes to decision making. Online car insurance comparison sites provide numerous rates form top-rated insurance companies. Browser can compare these rates side by side and even help custom design their very own policy. Best of all, having access to the rates of more insurers means having access to an increased number of deals, rewards and new customer incentives that can help drastically reduce the premium that must be paid.
Without a doubt, online comparison sites are far more effective than brokers when it comes to locating the best possible savings. This is because the databases for these are much larger and make it more likely that consumers will get in contact with those new customer incentives that directly apply to their personal driver demographic. Another huge bonus is that shoppers can conduct their business in its entirety right from the comfort of home.
Insurance companies have to compete. They do so by offering rewards that certain driver demographics simply cannot refuse. Based upon the competition and the insurer's ability to extend itself financially, each company offers deals to drivers of specific profiles. Some offer unbelievable rates for having a clean driving history, while others can afford to offer fair rates to drivers that are riskier to insure. Finding the company that offers rate cuts that are specific to your demographic will help you get quality coverage at a lower price without having to take on a sky-high deductible.
When you do find your ideal insurer, a little extra prudence can help you shave even more off of your premium. Calling in to speak with a company representative can help ensure that you get every last discount that you qualify for. If your car has automatic seat belts, airbags, anti-lock brakes or security features such as anti-theft devices, you are likely to get a lesser rate. Make certain that you review your policy thoroughly over the phone to make sure that all bases have been covered.
You can also ask about multi-vehicle and consolidation discounts. These often create phenomenal savings for some individuals so it is definitely worth the investment of time to check and see what such a transition would mean for your personal rate. When you know which resources to use and which areas of your policy to check and re-check, you officially know how to find the cheapest car insurance that still represents quality coverage.