The automobile insurance agent is your point person when it comes to dealing with every aspect of your policy. They should be able to explain, in clear terms, exactly what type of car insurance you have and you should have a complete understanding of it before leaving their office. How many of us can say this has been our experience when dealing with an auto insurance agent? Not a lot of us I fear.

Car insurance agents have a vested interest in getting you signed up. After that their attention is usually focused on the next potential customer. Many agents are hard working and honorable people, but the business is such that volume of customers means a healthier paycheck. In this type of business model customer service often takes a back seat to profit.

There are options to deal with this type of situation however. The best may very well be to purchase your car insurance from an online agent. Most auto insurance companies that are doing business online offer twenty-four hour a day, seven day a week, customer service which is a great comfort if you have an accident in the middle of the night on a weekend.

Another benefit to purchasing your auto insurance online is that it will save you both time and money. When it is time to shop for car insurance most people spend at least a couple of hours driving to the insurance agency and filling out paperwork. If you want to shop around for a policy you can add hours and hours to the process.

Buying car insurance online often takes no more than an hour and this includes shopping for multiple car insurance quotes. You can then compare the quotes to see which policy is the least expensive. An added bonus is this can all be done from the comfort of your own home. There is not an automobile insurance agent that is willing to visit your house to sign you up for a policy as far as we know.


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The best auto insurance company will be a different company for everyone. The reason for this is that each car insurance policy is specifically tailored to the individual driver. Every policy is different depending on the circumstances of the driver.

Consider the following example; Two thirty-five year old women from the same neighborhood, drive the same car, and have the same insurance company. Neither has ever been in accident or had a moving violation. Yet one woman pays $475 dollars more per year for her insurance. Care to guess why? One woman has a better credit rating and therefore pays less for her auto insurance.

This is why choosing the best auto insurance company is something that needs to be done on a case by case basis. So many things go into calculating a policy that no one company can truly claim to be better than the rest. Of course there is a policy out there that will be the best, but you'll need to go online in order to locate it.

The best way to find out what the best company is for your specific needs is to request quotes from at least five different companies. The most efficient way to do this is to go to a web site that will allow you to request multiple quotes.

These multiple quote web sites are quick, easy to sue, and get results. All you need to do is enter your information and the web site sends it to multiple insurance companies. The companies review the information and forward a quote to you. This all happens in about twenty minutes.

As the quotes come in something may not seem quite right, but don't worry the low prices are perfectly normal when you purchase a policy online. The auto insurance company that you select should offer you the lowest rate and at the coverage level you require.


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Have you every though to yourself, "I shouldn't be paying this much for car insurance" well, if you have you are not alone. In the U.S. we are required to have car insurance, it is the law and who are we to oppose our judicial system?

So, we have to have it but why do we have to pay so much and what factors cause us to pay more then others? Well there are hundreds of factors that could potentially cause you to pay more then your neighbors but the ones below tend to cause the greatest increases. So if possible steer clear of the problems below... no pun intended.

1 - Try to maintain a spotless record when it comes to tickets. If you have a lead foot well you need to stop! A speeding ticket will KILL you wallet/purse. One speeding ticket can cost you a lot in fines but boy are you going to pay much more on your car insurance. How about a 100-300 percent in premium payments? Yeah... Don't speed.

2 - Do you have a son or daughter? If so you are going to pay dearly when they reach driving age. Teens are a huge liability for car insurance companies. They speed, they don't pay attentions, and they are easily distracted. They are pretty much a ticking time bomb. Most people get into at least a minor bump up by the time they are 21 and this why their premium payments are much higher.

There really isn't a way of reducing payments when it comes to new drivers, you just have to shop around from company to company and hope you find a good deal.

3 - If you have been in a few accidents then you may be paying more then other. In fact you probably are. The one way to fix this is to go to a new insurance provider, one that offers accident forgiveness.

4 - So you have a high performance car? Good for you but you are paying a lot for car insurance. If you want cheaper insurance you need to get rid of the flashy car, sorry!

As I said there are tons of factors that cause insurance prices to change, they go up, they go down. The only way to really make sure you have a fair policy is to shop around. Get a few online quotes and see what you can find. Good luck.



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