Making a deal with yourself to lower living costs is not as painful as you first think. Start with easy things, like get a cheap car insurance quote (its always wise to do car insurance comparison). A lot of people get too comfortable and stick with the same auto insurer for years, not realizing they are being taken for a ride.
That’s right, even if your insurer claims that they give an accident-free discount, or are rewarding you for having a car with some feature, they may be overcharging you overall. Simply compare quotes from different companies for the same coverage.
That’s the key to finding a cheap car insurance quote. Start from the bottom and evaluate whoever charges the least. Just make sure that the insurance companies have the financial ability to pay out on claims. Make a quick check in the companies that rate credit for corporations and financial institutions. Use A.M. Best, Moody’s, or Weiss Ratings. They have to have an A rating or better or else the insurer’s ability to pay on claims comes into question.
From there, take a look at the least expensive insurance quotes from the companies with A or better ratings. Now evaluate them for customer service, and for their ability to let go of the money to pay out on claims because it is what they are obligated to do according to the policy contracts.
They should not be stingy, but be willing to pay out, especially when it is a legitimate claim. Online reviews will tell you a lot about what companies are in it simply to take your money and which ones recognize that sometimes they need to show up and rescue the insured by giving out insurance claim benefits.
Depending on the state you call home, you may have an insurance commissioner to contact. They may be able to tell you what companies drag its feet or try to avoid paying out legitimate claims. Use all of these resources to get cheap but valuable car insurance.