Start by comparing the deductibles, limits and prices on the quotes. Grey House Publishing offers an auto-owners insurance buyer’s Quote Comparison Worksheet. You will probably find them very competitive with one another.
The difference will be in the discounts they offer you. It is very easy to pay too much for auto insurance. Make sure every discount possible is applied before you buy a policy and select the most reputable company that offers you the most discounts.
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Do any of the companies offer you a rate reduction for having a good credit rating? |
Your credit rating is taken into consideration during the underwriting process. It should count when the premiums are set too.
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Did they consider your good driving record? |
It, too, was considered during the underwriting process and you should be able to get a discount for it.
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How many people share the car? |
If it is only one or two, make sure they factored that in. (However, if you are a teenager and your parents offer to make you a listed driver on their policy, take them up on it. You’ll save a lot of money.)
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Did they give you a discount for choosing to drive a safe car that never makes it on any “most-stolen” lists? |
That discount should have been offered, too.
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How about a low-mileage discount? |
If you go to college, live on campus and rarely drive very far off-campus, you deserve a discount for that.
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Do they offer a safe-driver device for your car? |
This allows them to monitor your driving habits and verify your safe driving habits. That should earn you another discount
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