Buying the right auto coverage is an important decision to make. Various factors such as your car’s size and your driving record may determine what you pay for your coverage. But there are many things that you can do to get a better deal. So, in this article, we will be discussing five tips that will help you reduce costs and the three best insurance companies in the country.
Shop around and compare costs
Every company sets its price; therefore, it is wise to shop around to get the best deal. Get quotes from different companies and figure out what works best for you. Don’t just shop by price. Take a look at the coverage and what benefits the insurance company offers. One can also look for customer reviews to understand what other people think about the insurance company.
Look for special discounts
Car insurers offer different types of discounts when it comes to auto insurance. Don’t forget to ask your insurer about what discounts they offer. The common ones are discounts for students with good grades, those who install safety systems in their vehicles, and those who have taken driver’s courses, especially when they are adding a teenager to the insurance.
Improve your credit score
Ask your insurer whether they consider credit scores while determining insurance premiums. This is because most states give discounts to people with good credit scores. To maintain a good credit score, it is important to pay your bills on time and review credit reports periodically. If you are amidst a financial crisis due to a legitimate reason like unemployment, health problems, and military deployment, you can ask the insurer to make an exception.
Multiple-policy discounts
Those who buy multiple insurance premiums from the same company usually get discounts. For example, if you already have homeowners or life insurance, you can get a big discount on your auto insurance. Two people who are married or related by blood and own multiple vehicles qualify for discounts. Talk to your insurer to see if you qualify for this discount.
Pick a trustworthy dealer
Finding an insurer is more important than you think. Various organizations offer deals that seem too good to be true, but this could be a red flag. Always check customer reviews, talk to friends and family who have a car, and try to find a reputable insurance company. Additionally, it is also important to ensure that their customer service is top-notch.
Top three auto insurance companies
Here are three of the best auto insurance companies in the country.
USAA
Protect your car, savings, and loved ones with USAA’s auto insurance. You can create a flexible payment schedule for free and enjoy a variety of discounts, from military to family discounts, and customer loyalty. USAA provides any assistance you need while filing for a claim. Getting a quote is simple — All you need to do is answer a few questions, and you’re done.
Nationwide
With online apps and quick quotes, getting a personalized insurance plan is easier and faster at Nationwide. Save hundreds of dollars by getting discounts for being a good driver, good student, or clubbing insurance policies. Nationwide provides customer service around the clock and helps add on important features like accident forgiveness to lower the impact of an accident.
GEICO
GEICO provides a customized insurance plan according to your needs. One can add and subtract any extra coverage from their plan before finalizing their payment. They also offer a ton of discounts including driver’s education discount, customer loyalty, and driving history. They have a mobile app to help you keep track of everything on the go, and their customer service is available 24/7.
