If you want to save money on your car insurance, keep in mind that there is not one company out there that will always give out the best quotes. Although there are many commercials from insurers saying that they are the best, this is not the case.

There is a good chance that you have heard from the Gecko or Flo. Maybe you have also had that Safe Auto sound stuck in your head. The car insurance company, that is advertising, wants you to shop only with them, which is the opposite of what you should be doing.

Auto insurance quotes can vary by hundreds (sometimes over a thousand) of dollars. The price you get depends on who you ask. The more you ask, the better.

If you go to your local state insurance site (you can find it by first going to NAIC or searching for your state name plus the word, insurance, in Google) you may find (some sites do not have this) a survey, which gives rates for hypothetical drivers from your local auto insurers. The reason your government went out and got sample rates was not to find the insurance provider with the best rates, but to encourage you to shop around for auto insurance.

Online comparison websites may not be as great as you think they are. The prices that you get from these sites may not be accurate because the more direct contact you have with an insurer, the more discounts you can find out about and take advantage of. Also, some of the lowest prices will not appear because these providers do not pay these comparison sites anything.

If you find it difficult getting a reasonable car insurance quote (maybe your credit rating needs improving or you have a bad driving record) you may want to speak to a local independent agent as they are connected to many insurers and can connect you with the best one for your situation.

You can find an independent agent by looking through a local business directory or the Yellowpages. Generally, if the name of the insurance agency is one, which you do not recognize, it is independent. If the name is something like State Farm-Tom Barr you are dealing with someone who can only give you insurance from that one provider.

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If you are facing a DUI on your driving record, an issue you will have to deal with will be finding cheap DUI car insurance. No matter what your record was before your DUI, once it is found out by your current car insurance company, you can expect to see a large rate increase, or even they can drop your coverage.

When you are looking into finding the right insurance company to insure you after you have a DUI, there will be some frustrations on your part. The reason is that most insurance companies will now see you as a liability and classify you as a high risk driver.

When you are classified as a high risk driver, you will be paying more. Sometimes the same insurance company that you were with before your DUI, if they don't drop your coverage, will reassess your rates and it could be almost twice as much, if not more.

Being dishonest with your DUI in your driving history will only haunt you in the future. Whether it means that they decline your coverage, raise your rates after they insure you, or even file criminal fraud charges against you for lying about it, honesty is the best policy.

If you are not honest about your DUI, the company will find it on your records check. This could lead to them dropping you if you have already been given coverage. Or, if they don't drop you, expect a large rate increase to reflect the discovery of your record.

No matter how you search for your cheap car insurance after a DUI, finding the right company to deal with won't be overly easy. However, with a little time and patience, you can find the cheapest DUI car insurance available on the market. Usually you can save time by shopping online for your car insurance also, which really helps if your license has been suspended.

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Do not feel left out if you have never submitted an insurance claim. It is not one of the easiest things to do. Just like most of us out there, your day will come when you will have to deal with an insurance company regarding a claim. Listed below is a step-by-step guide to help you through your first insurance claim experience.

To back up a step, there is one essential step you must take before you ever get to the point of submitting a car insurance claim. Itas of key importance to first get a cheap car insurance quote and to buy the insurance policy (preferably a cheap car insurance policy).

Policy in hand you start on your adventure to your next destination. Your Insurance is in your glove compartment and you are feeling pretty good about all of the money you are saving. Thinking about how much money you are saving and why, you choose to drive carefully.

You are sitting at a stop light thinking about how you need to stop by the drug store on the way home but your too tired, another car slams into the back of you. You are disoriented but ok. First things first, you call the police. With the way the other person is mugging you can tell this is not the first thing they wanted to do. A word of advice though, insurance companies are much easier to deal with when the accident is not your fault and you have a police report saying so.

In case the accident WAS you fault, say you were changing lanes while fiddling with the radio and discussing the familyas Thanksgiving seating chart with cousin Betsy on your cell phone (aNo way! You absolutely canat sit Tom next to Rod, are you out of your mind?!a), you can probably skip that step. Itas likely the other driver will be more than happy to get the police involved.

Police always arrive quickly to a scene. Better to get this over quickly. After the police officer reviews the scene you move your car to the side of the road or near by parking lot. You then wait while he asks the person you hit a series of questions, watching them in the most animated way possible tell him what happened. Next is your turn, you tell him everything and give him your drivers license and proof of insurance.

Once everythingas been cleared up from the scene of the accident, and youare made it home or to another safe place with a telephone, pull out your copy of that cheap car insurance policy and call the number it lists to report a claim. Grab a drink and sit back and enjoy the call-waiting music.

Eventually, a customer service representative will come on the line. Fill this person in on every detail of the accident, however mundane. They will probably ask you to mail them a copy of the police report. The representative will guide you through the whole claimas process, and can explain how the coverage you selected when you set up the policy will work. They can help you set up an appointment with an adjuster to assess the damage and with a body shop for repairs. Soon enough, you will have made it though your first claim and will be back on the road.

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