Five Minute Guide for Finding the Best Saturn Astra Insurance

Nobody I know looks forward to paying for auto insurance, especially when their premiums are through the roof. Because there are so many options, it’s difficult to locate the cheapest insurer.

You need to get comparison quotes every six months since insurance rates tend to go up over time. Just because you had the best deal on Astra coverage last year the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance online, so I’m going to show you some solid techniques on how to buy auto insurance cheaper.

The purpose of this post is to teach you how car insurance quotes work and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using these methods. Vehicle owners just need to understand the most effective way to compare rates online.

Verify you’re getting all your discounts

Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. Some trigger automatically at the time of purchase, but a few need to be asked about prior to getting the savings. If you aren’t receiving every discount possible, you are paying more than you should be.

• Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Defensive Driving Course – Completing a driver safety course can save you 5% or more depending on where you live.
• Service Members Pay Less – Having a family member in the military could mean lower rates.
• Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
• Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
• Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
• Air Bag Discount – Vehicles with factory air bags may earn rate discounts of more than 20%.
• Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
• Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

Consumers should know that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.

To see a list of companies offering auto insurance discounts, click here to view.

But buying car insurance online seems impersonal

Some consumers just want to visit with an insurance agent and that is just fine! Licensed agents can answer important questions and give you peace of mind. One of the great benefits of price shopping on the web is the fact that you can find the lowest rates but also keep your business local. And supporting local businesses is especially important if you live in a smaller city or town.

After completing this simple form, your insurance data is emailed to local insurance agents who will battle to get your business. There is no need to leave your computer because quoted prices will be sent directly to your email. How’s that for easy!

What type of car insurance agent is right for you?

When looking for a good insurance agency, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies are categorized either captive or independent (non-captive). While both can do a good job, but it’s worth learning the difference between them since it may influence the type of agent you choose

Independent Insurance Agents

Independent agents are not locked into one company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, you should always include multiple independent agents to ensure the widest selection of prices.

Agency Captives

Captive agencies can only write with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agents are trained well on the products they sell and that can be a competitive advantage.

To view a full list of insurance agents, click here.

Picking an insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:

• Are there any discounts that you might be missing?
• Which members of your family are coverage by the policy?
• What insurance company do they write the most business with?
• What is the agency’s Better Business Bureau rating?
• What will you get paid if your car is a total loss? How is that amount determined?

Upon getting answers to your satisfaction to your questions and an affordable coverage quote, you have narrowed it down to a car insurance agent that will properly service your auto insurance policy.

The best insurance company isn’t always the cheapest

Low-cost Saturn Astra insurance is attainable both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

We just covered many ways to get a better price on Saturn Astra insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. They often have lower prices on specific markets compared to the large companies like Progressive and GEICO.