Buying auto insurance quotes may not excite you, but it will save you money. Searching for auto insurance quotes is a serious endeavor, but think about how you'll spend the money you'll save by comparing auto insurance quotes. No one wants to pay more than they should for car insurance, but they do want to be adequately covered in case something bad happens.


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You should try to muster up some enthusiasm when it comes to shopping for auto insurance quotes. Why? Because there are bargains waiting for you. Think about it. Would you pay $100 for a pair of jeans that you can find at another store for $45? No, you wouldn't throw your money away like that.

You should have this same mindset when looking for auto insurance quotes, if two insurance companies offer the same coverage, why not go with the one that offers the best auto insurance quote?

If you're a serious shopper and comparing auto insurance quotes still doesn't sound like it's worth the challenge or hassle, try this.

Study: One in Seven Drivers on the Road Without Insurance

If you find yourself sitting at a traffic light, count seven cars around you and guess which driver has no insurance. That's the number of cars on the road without insurance according to the Insurance Research Council. That means that of about 5.5 million accidents that occurred in 2009, nearly 770,000 involved an uninsured driver.

Typically, as unemployment rates decline, so does the number of uninsured drivers on the road, but it's not a good idea to take chances. “The best way to protect yourself financially from other drivers and your own mistakes is to make sure you have enough auto insurance coverage,” said Dre Fleury, North Carolina attorney at Crumley Roberts, who specializes in car accident injuries, in a press release. release. "The minimum required coverage is definitely not enough, and ideally, you want to have more than enough."

Experts who deal with accidents involving uninsured drivers say they cause emotional and physical damage on a daily basis.

Auto insurance may be a state requirement, but you don't have to pay too much for coverage just to comply with mandatory laws. You don't have to sit back and watch your insurance renewals increase year after year. As a consumer, you have the right to change insurance companies at any time, whether or not your policy is renewed. Here are some of the most valuable tips to keep in mind when you want to keep your auto insurance premiums low without compromising your level of protection on the road.

1. Take the time to shop around first

The first key to saving money on your auto insurance is to shop around. You never know how much you can save unless you take the time to compare rates. Some insurers specialize in covering young drivers or risky drivers with poor driving records. The key is to find which company specializes in offering the most competitive rates for drivers like you.

2. Consolidate your policies or your cars

Almost all insurers in the industry that offer auto insurance will offer multiple vehicle discounts to policyholders who insure more than one car with the company. If you have multiple cars in your household, be sure to take advantage of these discounts and request quotes for each of your cars from the same company to save money.

If the company you're requesting auto insurance quotes from also offers other lines of insurance, you may want to consider consolidating your policies. By doing this, you may qualify for a discount on your auto insurance and even your homeowner's insurance.

3. Determine if you really need full coverage

There is a big difference between liability insurance and full coverage. Liability insurance is a requirement, and comprehensive coverage will pay to repair damage to your car in an accident. If your vehicle is financed, you cannot cancel full coverage unless you want your finance company to force coverage on the loan. If you have an older car, you need to consider the value of the car. Generally, if the value of the car is less than $1000, it is not worth the investment to have comprehensive coverage.

4. Install a security device

If you have comprehensive coverage on your car, you can keep your comprehensive premiums low by installing a vehicle security device that will reduce the chances of your car being stolen or vandalized. You can choose between a passive or active alarm system. Passive systems make noise and time