Auto Insurance Quote - What Your Broker Doesn't Want You to Know

Thursday, September 10, 2009

Auto insurance doesn't have to be anywhere near as expense as it usually is. In fact, there's a deep dark little insurance secret that your broker is desperately afraid you're going to find out about that can save you a cool 30% on your monthly premium instantly - and the savings don't have to stop there.

By following just a few other relatively simple ideas you can add at least another 10 to 12% to your instant 30% savings, putting at least 40% of your monthly premium right back into your own pocket.

We'll start with some of the simplest things you can do first. Begin by paying your premium automatically every month straight out of your bank account. If your company doesn't have to prepare, print and mail a bill every month that saves them a lot of money and they are willing to pass that savings along to you.

If you are married you can save a lot of money by listing the wife as the primary driver of all vehicles and the husband as the secondary driver. Because women pay less for their coverage than men do, this strategy can save you quite a bit.

You can also save a lot of money by trimming the number of rush hour miles that you drive every month. An easy way to do this is to join (or start) a carpool at work. Carpooling with even one other worker can cut your rush hour driving in half and that can save you a considerable amount every month.

Increasing your deductible will instantly decrease your premium every month - but be sure that you don't increase your deductible past the point at which you can afford to pay for it should you have a claim.

So what is the deep dark little secret that your broker is so afraid you'll learn? The secret turns out to be the easiest thing you can do! Simply purchase your policy from an online broker.

I know it seems too easy to be the answer, but there are a couple of very good reasons why buying your policy online saves you so much. For one thing there's an awfully lot of competition online and the more competition there is the lower prices go in order for everyone to compete effectively.

Also, your online broker has almost no overhead to pay for. This means your online broker can sell policies all day every day at wholesale prices and still show a profit.

Oh - there's another benefit when you buy your policy from the comfort of your own home; there's no live agent sitting across the table from you talking you into buying things you don't really want or need and which you certainly can't afford. That benefit alone should be enough to convince you to grab your mouse and start looking for the best deal.

I've been researching insurance prices online for quite a while now and I've found the very best deals you can possibly find. Even so, I don't want you to take my word for anything. Get online yourself. See with your own eyes just how much you can save - and then put your current broker out of his or her misery by going ahead and buying your policy online!


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