Getting the BEST auto insurance rates

<h1>Getting the BEST auto insurance rates</h1>Author: <a title="Andrea Luoni" href="http://www.articlesbase.com/authors/andrea-luoni/150594.htm">Andrea Luoni</a> How to save the most on auto insurance You’re probably aware of all the ways to save money on auto insurance if you’re a savvy internet user.  You Google a search for auto insurance, low cost auto insurance, cheap auto insurance, and who pops up?  Esurance, Geico, Progressive, and some other on-line insurance agencies.  That is a good start, but if you are like me I found that I would complete a form with at least three of these services just to find out some cold hard facts. <ul> <li>It took about 15-20 minutes to get the form completed</li> <li>I had to provide a lot of information</li> <li>They could not beat  my current premium </li> <li>They had insurance agents calling me</li> <li>If they had insurance agents calling me they asked some of the same questions I already answered</li> </ul> Your probably aware of all the ways to save money by shopping auto insurance if you're a savvy internet user. You Google a search for auto insurance, low cost auto insurance, cheap auto insurance, and who pops up? Esurance, Geico, Progressive, and some other on-line insurance agencies. That is a good start, but if you are like me I found that I would complete a form with at least three of these services just to find out some cold hard facts. • It took about 15-20 minutes to get the form completed • I had to provide a lot of information • They could not beat my current premium • They had insurance agents calling me • If they had insurance agents calling me they asked some of the same questions I already answered • Auughh!!!! This was a waste of my time. Has this ever happened to you? Did you quit looking because of the aggravation? Well it did to me and I hated wasting my time. Every company listed when you do a simple search for auto insurance is either an insurance company or agency. Did you know that there are between 30-40 insurance carriers in each state for auto insurance? If each of these agencies quoted five insurance companies (that is about the most I've seen them provide) you would be spending at least 2-3 hours quoting - but some don't quote five, they are only quoting one such as Geico - so you would more likely be quoting for 3-4 hours to see the full market. Most of the companies that have the big advertising budget are NOT the most competitive - even when Progressive gives you other quotes they are with carriers that tend to be less competitive than others. These advertisers are just hoping you are already with a very costly insurance company and many of you are - so they win. It makes sense though because all of these insurance companies and insurance agencies are paid by you buying a policy, they are paid commission which is a percentage of the premium. The common commission is between 10% - 25% for each policy. Do you see the bias in this? An, agency or insurance company is paid a percentage of the premium the higher your premium the better off the agent or company. With this system does the agent or company have any reason to shop your insurance or lower your rates? No, they do not. They don't want to lose your business but they would not want to offer you a rate that is 50% less either, that would be a pay cut. So these on-line service are not a shopping service because what they want is for you to buy a policy with them. The advertising is to pull you in and they hope you are with a very expensive company and they can cut the cost some - but a true shopping service wants to save you the most. The incentive for them should be a fee or a percentage of the savings. This is the only way for it to work for you, otherwise it is working against your goal. By now I hope you understand the system a little better, so how do you get the advantage over the system? • Don't be fooled by creative advertising • Shop your insurance every three years and make sure you get quotes from some      independent agents and direct writers • Pay attention to the gradual rate increases each year • See if they are applying all the credits available - good driver, claim free, multi-car • Your credit score now effects your rates (don't even get me started on this subject) • Have a shopping service do the work for you or prepare to spend several hours shopping I heard reports that Esurance gets about 1,000,000 hits a month to their site - have you been one of them? Are you insured with one of the large advertisers? Did you know that they are NOT a shopping service as much as they are an insurance agency/insurance company? We have never placed one of our clients with them because there are so many carriers that are more competitive. We have no gripe with these sites or companies but we do want you to be a savvy shopper. One of our clients just this month saved 60% off their insurance and you can save money too. You just need to be a thorough shopper. Andrea Luoni President RateCraft <a href="http://www.ratecraft.net/" target="_new"><a target="_blank" href="http://www.RateCraft.net">http://www.RateCraft.net</a></a> 888-632-9900 About the Author: Andrea Luoni has more than 25 years of experience in the insurance industry and 12 years as the President and founder of RateCraft. RateCraft helps companies reduce the cost of business insurance up to 70% with a success rate of 98%. The company serves the states of California, Colorado, Arizona, and Nevada. 888-632-9900

We just launched our new service for personal auto and home insurance. We currently offer our clients the shopping service for a percentage of the savings. Soon we will offer our clients a flat fee as well to send them the top three most competitive carriers and you can contact them directly. <a target="_blank" href="http://www.ratecraft.net">http://www.ratecraft.net</a> Let us predict your best auto insurance rate.

RateCraft - the practice of lowering costs

Article Source: <a href="http://www.articlesbase.com/">ArticlesBase.com</a> - <a href="http://www.articlesbase.com/cars-articles/getting-the-best-auto-insurance-rates-977858.html" title="Getting the BEST auto insurance rates">Getting the BEST auto insurance rates</a>

How to save the most on auto insurance

You’re probably aware of all the ways to save money on auto insurance if you’re a savvy internet user. You Google a search for auto insurance, low cost auto insurance, cheap auto insurance, and who pops up? Esurance, Geico, Progressive, and some other on-line insurance agencies. That is a good start, but if you are like me I found that I would complete a form with at least three of these services just to find out some cold hard facts.

It took about 15-20 minutes to get the form completed
I had to provide a lot of information
They could not beat my current premium
They had insurance agents calling me
If they had insurance agents calling me they asked some of the same questions I already answered

Your probably aware of all the ways to save money by shopping auto insurance if you're a savvy internet user. You Google a search for auto insurance, low cost auto insurance, cheap auto insurance, and who pops up? Esurance, Geico, Progressive, and some other on-line insurance agencies. That is a good start, but if you are like me I found that I would complete a form with at least three of these services just to find out some cold hard facts.

• It took about 15-20 minutes to get the form completed
• I had to provide a lot of information
• They could not beat my current premium
• They had insurance agents calling me
• If they had insurance agents calling me they asked some of the same questions I already answered
• Auughh!!!! This was a waste of my time.

Has this ever happened to you? Did you quit looking because of the aggravation? Well it did to me and I hated wasting my time. Every company listed when you do a simple search for auto insurance is either an insurance company or agency. Did you know that there are between 30-40 insurance carriers in each state for auto insurance? If each of these agencies quoted five insurance companies (that is about the most I've seen them provide) you would be spending at least 2-3 hours quoting - but some don't quote five, they are only quoting one such as Geico - so you would more likely be quoting for 3-4 hours to see the full market.

Most of the companies that have the big advertising budget are NOT the most competitive - even when Progressive gives you other quotes they are with carriers that tend to be less competitive than others. These advertisers are just hoping you are already with a very costly insurance company and many of you are - so they win.

It makes sense though because all of these insurance companies and insurance agencies are paid by you buying a policy, they are paid commission which is a percentage of the premium. The common commission is between 10% - 25% for each policy. Do you see the bias in this? An, agency or insurance company is paid a percentage of the premium the higher your premium the better off the agent or company. With this system does the agent or company have any reason to shop your insurance or lower your rates? No, they do not. They don't want to lose your business but they would not want to offer you a rate that is 50% less either, that would be a pay cut. So these on-line service are not a shopping service because what they want is for you to buy a policy with them. The advertising is to pull you in and they hope you are with a very expensive company and they can cut the cost some - but a true shopping service wants to save you the most. The incentive for them should be a fee or a percentage of the savings. This is the only way for it to work for you, otherwise it is working against your goal.

By now I hope you understand the system a little better, so how do you get the advantage over the system?

• Don't be fooled by creative advertising

• Shop your insurance every three years and make sure you get quotes from some independent agents and direct writers
• Pay attention to the gradual rate increases each year
• See if they are applying all the credits available - good driver, claim free, multi-car
• Your credit score now effects your rates (don't even get me started on this subject)
• Have a shopping service do the work for you or prepare to spend several hours shopping

I heard reports that Esurance gets about 1,000,000 hits a month to their site - have you been one of them? Are you insured with one of the large advertisers? Did you know that they are NOT a shopping service as much as they are an insurance agency/insurance company? We have never placed one of our clients with them because there are so many carriers that are more competitive. We have no gripe with these sites or companies but we do want you to be a savvy shopper. One of our clients just this month saved 60% off their insurance and you can save money too. You just need to be a thorough shopper.

Andrea Luoni President RateCraft http://www.RateCraft.net 888-632-9900

Andrea Luoni has more than 25 years of experience in the insurance industry and 12 years as the President and founder of RateCraft. RateCraft helps companies reduce the cost of business insurance up to 70% with a success rate of 98%. The company serves the states of California, Colorado, Arizona, and Nevada. 888-632-9900 We just launched our new service for personal auto and home insurance. We currently offer our clients the shopping service for a percentage of the savings. Soon we will offer our clients a flat fee as well to send them the top three most competitive carriers and you can contact them directly. http://www.ratecraft.net Let us predict your best auto insurance rate. RateCraft - the practice of lowering costs

Rate this Article:

5 / 5 stars - 1 vote(s)

Re-Publish

Article Source: http://www.articlesbase.com/cars-articles/getting-the-best-auto-insurance-rates-977858.html

Article Tags: Car Insurance, Auto Insurance, Progressive, Free Quotes, Low Cost Auto Insurance, Auto Quotes, Auto Comparison, Esurance, Car Premiums

Related Videos
Related Articles
Ask / Related Q&A

Play

Auto Insurance No Fault Benefits Overview

Play

US Residents Can Get Cheaper Auto Insurance Rates

Play

How to Avoid Auto Insurance Scams

Play

Auto Insurance Policy

Play

5 Things to Know About Auto Insurance

Latest Cars Articles
More from Andrea Luoni

Car Rental One Way

By: David Patullo | 18/12/2009
Car Rental One Way is an interesting yet one of the priciest options in the car renting industry. This rental solution offers you the privilege of renting the car from one location and leaving it off at your destination. Then your car rental company brings the vehicle back to where it belongs. But this option carries with it a huge base rates or drop-off surcharges.

Car Rental Discounts – How to Make the Most Out of Your Car Hire Budget

By: David Patullo | 18/12/2009
If you are planning to go on vacation and if a car rental is included in your plans, then be sure to avail of car rentals discounts. There are many types of car hire discounts that you can maximize. These discounts will make your save more money and get the most out of your available budget.

Car Rental Discounts – How to Get the Most Value for your Rented Car

By: David Patullo | 18/12/2009
You are planning to go abroad for vacation. You, of course, cannot bring your own car. However, you would want to have the option of driving a car so your movement will not be limited. You also want to have privacy; something that cannot be offered when you use public transportation. Also, your vacation can truly feel like a good one if you have a good means of transportation to bring you around places.

Car Rental Discount Codes – Tons of Savings

By: David Patullo | 18/12/2009
Car rental discount codes can give you tons of savings. It makes renting a car better than owning one. With up to 30 percent discount on all days and 50 percent discount on weekends, you are sometimes better off letting other people purchase the car and just renting it. There are several ways for you to acquire discount codes.

Car Rental Deals – Why People Like Car Rental Deals

By: David Patullo | 18/12/2009
I know that you can relate when I say that I love to get a good deal on something. It shouldn’t take a lot of explaining why car rental deals are some of the most important things that you can partake in when shopping for a rental car. Some people will go to great lengths to find the best car rental deals that they can while others will be more willing to pay the advertised normal price.

Car Rental Coupons – Is It Still Practical to Get Car Rental Coupons?

By: David Patullo | 18/12/2009
Some of us would rather have convenience than a few dollar savings. This thought comes from the experience of many consumers who find themselves disappointed with discounted services and products. In some disappointing cases, you get exactly what you pay for – cheap service for a cheap price. However, this is not always the case.

Car Rental Company-Finding the Best One

By: David Patullo | 18/12/2009
If you are a traveler who had ever travelled abroad, you have probably experienced problems with your transportation. Most of the travelers are stuck up with the same problem. This may be the reason why car rental Companies are so popular and their business is booming because a lot of people opt to rent a car when travelling outside their home state or country.

Car Rental Companies – Why People Like Car Rental Companies

By: David Patullo | 18/12/2009
If you want to rent a car then you don’t have very many options but to go through car rental companies. Now that may seem like a hassle to some but it doesn’t have to be that way, if you just are aware of some very easy and simple steps on how to get your rental car on the road as soon as possible than you have absolutely nothing to worry about.

Getting the BEST auto insurance rates

By: Andrea Luoni | 17/06/2009 | Cars
A new service that shops auto insurance rates for you - but does not sell insurance - making it completely unbiased - you get one form and the best rates available for you! Simple, easy, the way it should be.

Who has the best workers' compensation rates in California?

By: Andrea Luoni | 01/05/2009 | Insurance
Are you with the most competitive insurance carrier or the one that has the most market share? Are they the same?