How You Can Get the Best Car Insurance Rate

Whether your car insurance bill is driving you crazy…or you don’t know exactly what you pay.
  
    It may be time to shop around—or at least make sure you’re getting discounts with your current insurance company.
  
    Elisa McCulough says she pays roughly $1,200 a year to insure a Lexus that’s 13 years old.
We asked her what holds her back from shopping for a better rate.
          “Just, being lazy, not calling and you know. I’ve been with Allstate so long, I thought about calling other people, I just hadn’t um, gotten around to it”
    For people like Elisa places like Correll Insurance Group may be a good option.  At no cost to you, they take your information and shop around from among dozens of insurance companies they represent.
    President Jon Jensen says maintaining a good credit score is key to getting a good rate.
“Statistically credit scores show that folks with better credit as it matches up with a good driving record end up being—having less losses than folks in the other direction. And carriers use a lot of credit scoring in these days and times to make sure those premiums are the best,“ said Jensen.
    If you’re credit history isn’t the best, you can also get discounts for taking drivers training courses, a car alarm, senior discounts and bundling your house and other family cars under one company.
    Keep that in mind when you go to compare prices.  Speaking of that, you can also get competing quotes online at these websites: youDecide.com and InsureOne.com
If you do decide to change insurance companies, make sure you look for two important clauses, before signing.  Experts say you should retain your right to sue, and make sure you don’t sign with an insurance company that uses “after market parts” when fixing your car.
    You’ll also want to get up to speed on your level of comprehensive collision coverage, uninsured motorists coverage, and how much you pay in deductibles.  Once you find the level that fits your needs—make sure you compare apples to apples when choosing between insurance companies.
Once you find a better rate, check with JD Power & Associates.  They collect data on insurance companies and can tell you how they rate when it comes to customer satisfaction and claims handling.


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