The best idea the insurance industry ever came up with was the issuance of free auto insurance quotes to shoppers. Why? Because when the insurance quotes are free you’re going to search, and take advantage of all the choices at your fingertips, and ultimately come up with the insurance choice that’s going to be best for you (and your pocketbook) instead of the most affordable to find.
Since your shopping habits are making it easier for insurance companies to keep the spirit of competition alive and well, everyone walks away a winner! But it’s not enough to have free auto insurance quotes. If those free quotes don’t point you toward cheap insurance premiums, what’s the point?
You already know that gathering as many free auto insurance quotes as possible is the key to finding the best deal on your insurance, but how do you make sure that free insurance still falls within your budget? You make sure you, your car and your driving habits are as insurance friendly as possible! Here’s how:
1) Ignore your cell phone when you’re on the road. Statistics show that cell phones caused almost 25% of all car accidents last year, the driving inspiration behind the passage of laws to make driving while talking on a cell phone illegal. Let them leave a message. If you have to make a call, pull over first. The amount of time and money you save by NOT getting in an accident more than justify the five or ten minutes you’re going to lose.
2) Check on the national Highway Data Loss Institute website before you go shopping for a car. This site has all the latest information on which makes and models are more likely to be involved in an accident each year. This is practically gospel to insurers when they’re figuring out the numbers on those free auto insurance quotes. If your car makes their “friendly” list, you’ll pay much less for your coverage than you otherwise might.
3) Don’t drive when you’re upset, tired or you’ve been drinking. Five years with no accidents and no speeding tickets will qualify you for a five year good driver discount, which is observed religiously by almost every auto insurance company in the country and will do more to keep those free auto insurance quotes as close to free as possible than anything else possibly could. Sometimes bad things happen to good people.
4) Prepare your teenager for possible emergencies before you let them loose on the highways. Inexperience is the primary contributing factor to most accidents each year involving teenagers. The more prepared your teen is, the safer they’ll be out on the roads-and the safer your auto insurance quotes are going to be while you’re at it!
Free auto insurance quotes are important, but they don’t mean a thing without the cheap insurance premiums to go with them. If you’re willing to work for it, and always be safe behind the wheel, there’s no reason you shouldn’t be able to have them both!