As you probably know if you’ve ever looked for auto insurance before, it can be difficult to know which company to choose to fit your needs. Many companies are untrustworthy, and others charge way more than they should. Read on for tips and tricks for weeding out the good from the bad.

Create an emergency fund to cover your deductible which in turn can allow you to raise your deductible to your comfort zone and lower your rates. Higher deductibles are great for lowering your premium, just be aware that should you have an accident that is your fault, you need to have money set aside to cover yourself.

When looking for auto insurance, comparison shop. It is always important to shop around and compare different insurance companies, as this could end up saving you hundreds of dollars a year. Certain companies will offer a deep discount to someone with a good driving record, or someone with current auto insurance who is prepared to switch companies. Do your homework, and always let the insurance company know what others have offered you. They may be prepared to negotiate in order to get your business.

Remember to write down the customer service phone number of each insurer from which you are gathering quotes online. You will probably have questions that the website cannot answer, or there might be verbage that is unclear. Talking to a live customer service agent can get your questions answered more effectively.

The less you actually get in and drive your vehicle, the more money you could save on auto insurance. Aside from the obvious of avoiding accidents and paying deductibles, various insurance companies have special discounts for their customers that meet a minimal low-mileage requirement. If you stay beneath that limit it can take a percentage off of your premium each month.

Be proactive when finding auto insurance policies by asking for discounts. Companies may not vocalize their discounts when you are getting a quote but by speaking up, you might find that you qualify for a discount and no matter how big or how small the discount is, you are saving money.

As you can see, once you know how to choose the right auto insurance company for your needs, it’s much easier to get out there and do it. We hope that this article gave you the knowledge you need to choose the right insurance and not get overcharged or scammed.

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