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Auto insurance is offered by many different companies at many different rates.  Comparing auto insurance rates has never been easier with the Internet.  Free online quotes that you can get anytime of the day or night in the privacy of your home are as simple as typing in some information and hitting the submit button.  Almost instantly you will get quotes online or you will have insurance companies emailing or calling you with car insurance quotes.  What are some things that you should know about comparing auto insurance rates online?

It will take time.  Proper research and comparison may take you some time, but it can net you huge financial savings.  Just a few hours of time spent comparing and contrasting the rates and offerings of different companies can result in you saving hundreds, if not thousands, of dollars over the period of a year.  Think of it this way.  If you spend two hours researching different rates and end up saving $1000, you have essentially made $500 per hour that you put into your search.

Ask questions.  If you are not sure about something in your search, call the insurance company and ask questions.  Whether you are not sure about the wording of the policy or about the rate, you want to be sure that you understand it all to ensure that there will be no surprises in the future.

Ask for discounts.  There are many discounts that car insurance companies offer.  From a good driver discount to a good student discount for teenagers to safety feature discounts and more, by simply asking, you may find that you qualify for a discount.  If you have more than one insurance policy with the same company, such as a homeowner’s policy, etc., you may also qualify for a discount.  Certain occupations are sometimes offered a discount, as well, or membership in a certain club or organization can net you a discount, too.  The key is to ask what discounts are available and see which ones that you qualify for.

Check their rating and reputation.  Just because you like the price doesn’t mean that you should go with the lowest one.  Be sure that you check the company’s rating on your state’s department of insurance website or another consumer ratings website, and ask friends and family for recommendations.  Another great source for information about car insurance companies is your local body shop.  They will know the easiest companies to work with and will know how they reimburse for parts, etc., to ensure that you will have a dependable insurance company if, and when, you should have an accident.

Comparing auto insurance rates online will not cost you a dime, but it can give you a significant amount of money to spend on other things for your family and can make your budget less tight.  If you have been searching for ways to save money, without having to make too many changes to your life, consider comparing auto insurance rates online.  Easy, free, and simple-what could be better?