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.
Posted under Cars
This post was written by Adam McKenzie on August 23, 2009

