How to Get the Lowest Car Insurance Quotes Possible

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Well, wonder no more. Sit back, relax and let insurance.com help you get the lowest car insurance quotes possible.

Before you compare quotes
Because insurance companies review and rate driver information differently, you'll quickly discover that some carriers quote lower rates for the same policy. That's why it is so important to compare car insurance quotes before you make a purchase.

But before you shop, consider all the factors that influence the rate an insurance company will quote you. By making little adjustments to these factors, such as increasing your deductible, mentioning that you're a AAA member, and forgoing collision because your '92 Accord is only worth $500, you'll see your car insurance quote get lower and lower.

Here's a short list of those factors. Use this as a guide for getting the lowest car insurance quote possible:

• Driving History
  Are you a safe and responsible driver? Do you carry points on your license? What's your accident history? When you compare quotes, you'll see the cleaner and more experienced your driving record is, the lower your quotes will be. This is especially important to drivers who have recently had a violation fall off their record. Time to shop. You'll almost certainly see cheaper quotes than your present policy.
• Deductible Limits
  Low deductible policies are attractive because, in the event of an accident, you pay a low deductible and the insurance company picks up the rest. However, insurance companies make up the difference by charging you a higher rate for a low deductible policy than for a policy with a higher deductible. Do the math. If you can afford the higher deductible, it might be worth making a change.
• Repair Costs
  Insurance companies know that a high-priced, foreign import will cost more to repair than an well-known economy car - and they'll charge you for it.
• Safety
  Cars with plentiful safety features enjoy lower insurance premiums because they pose less of a risk to insure. If your vehicle has anti-theft devices, anti-lock brakes and air bags, make sure you include that in your quote.
• Discounts
  There are discounts available that will lower your rates. If you are a member of AAA or if you enroll in a defensive driving course, you may enjoy a discounted rate. Talk to a licensed agent at insurance.com about the car insurance quotes you are comparing if you want to find out about specific discounts - or discounts you never thought existed.
• Policy Options
  Insurance companies may offer lower rates to drivers who are willing to use paperless billing, e-signature or payment in full. They pass along the savings to willing consumers.
• Bundling
  Once you've identified the carrier that's right for you, see if you can save more by rolling other policies, such as homeowners or motorcycle, to the same company. You may get a better car insurance quote or save on your other insurance premiums - or both!

Now that you know how to save - and save big - you're ready to compare insurance quotes. And at insurance.com, your car insurance comparison shopping experience starts with up to four competitive quotes from more than a dozen top-rated companies.