How to shop for insurance

If you adopt some intelligent strategies, you can get excellent coverage at the best possible rates. For starters, stick with name brand companies. Young consumers are generally naive and prone to being taken advantage of, so select an insurer on which you can rely. They have been in business long enough to have a proven track record. You want a company that will be there-one you can trust-not only when you purchase your policy, but when you file a claim. Next, shop intelligently for that first car.

It might be exciting to own a sporty model, but you will pay dearly for that ego boost. Insurance companies adjust their rates based upon the type of vehicle you drive. Four-cylinder sedans cost considerably less to cover than two-seat roadsters. If you are sharing family vehicles, put the young driver on the least expensive car to insure. Dad's station wagon will be cheaper to cover than Mom's red road rocket.

On the subject of sharing family cars, if you as a young driver still live with your parents, getting all of the family insured by the same company will probably be best. Virtually every insurance company gives multiple car discounts, with even cheaper coverage if the company also insures your home. [The same rule applies even if you live on your own. Save dollars by getting home owner's or renter's insurance from the same underwriter.] Since young drivers statistically have higher rates than "older" drivers (quick reflexes losing to experience and "good judgment"), look for a company that rewards for good grades and good driving habits. Of course, you want low rates, but do not settle for inadequate coverage.

Look for the best rates based upon the same level of coverage. While you are shopping for the best deal, get the highest deductible you can afford. If you are willing to pay more in case of an accident, your premiums will drop. Compare different coverages to discover what is inadequate, what is desirable, and what may be excessive. These strategies will save you money and get you cheap, quality insurance. And there is one other tool you can use to get the best possible automobile insurance deal: Quick Quotes.

Quick Quotes makes it easy to shop for insurance, allowing you to compare coverage and rates before you buy. Quick Quotes compares the policy offerings and rates of the top ten major insurers-companies with a history of treating their customers well. This service is free and will get you the best insurance policy at the most reasonable price. Try it out before you look anywhere else. You'll be glad you did.