How to Find Cheaper Auto Insurance

Finding cheaper insurance is a simple process that anyone can do.  You can call your current insurance agent or complete an online application, whichever you prefer.  Remember that cheaper is not always better, so you should review your coverages before changing your current policy.  It is your responsibility to meet state laws and carry enough insurance for your situation.

Call Current Insurance Agent

1. Look at your current insurance policy.  You want to find the declarations page of your auto insurance policy.


2. Find the name of the company or agent who sold you this policy.  The contact information, including telephone number or web address, should also be on the declarations page of the policy.


3. Contact your current insurance agent or company by calling and talking with someone directly.  You can also email or submit an inquiry form online.


4. Ask the agent or company to help you reduce the costs of your current insurance policy.  You may be able to reduce your coverages, raise your deductibles or eliminate some extra services like rental and towing reimbursements.


5. Wait for the agent to give you a quote with the changes.  This may take up to 48 hours.


6. Review the new policy with the requested changes and determine if the cheaper auto insurance policy fits your needs as well as your budget.

Complete an Online Application

1. Find a reputable insurance company by searching the listings on MerchantCircle.  This site will provide you with contact information as well as customer reviews, so you know you are working with a good company.


2. Go to the company’s website.


3. Look for the link to get a quote on your auto insurance.


4. Complete the online application by submitting your name, address, contact information, driving record, insurance history and credit report.


5. Wait for the company to provide you with a quote for your auto insurance.  This may take up to 48 hours.  The company will email you a quote or contact your directly for more information to get an accurate quote.


6. Review the new policy to see if it has the same coverages you currently have and how the costs compare to your old policy.  If the rates are lower, you may want to change companies or policies.  Be sure that you have the coverages you need before purchasing a new auto insurance policy that is cheaper.