Free Guide to Paying Less for Carlos Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it can be hard to sift through the bull and find the best price available.

It's important to shop coverage around every six months because prices are constantly changing. Even if you got the best rates last year you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to put money back in your pocket.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked for before they will apply.

  • Save over 55 - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Discount for New Cars - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Clubs and Organizations - Participating in a civic or occupational organization could qualify you for a break on auto insurance.
  • Drive Less and Save - Fewer annual miles could qualify for lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

Carlos auto insurance comparison

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your coverage to them. How can each company make almost identical claims?

Different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a desirable insured could possibly be over the age of 50, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully claim big savings.

Because of the profiling, you should get as many comparisons as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Additional information can be read on the website for the Minnesota Department of Commerce through this link. Minnesota consumers can read enforcement actions against agents and companies, report car insurance fraud, file complaints about an insurance agent or broker, and view a list of available companies.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate.

Cheaper auto insurance can be purchased online as well as from independent agents in Carlos, and you should be comparing both to get a complete price analysis. A few companies don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.