Free Guide to Paying Less for Italy Auto Insurance Online

Paying for high-priced auto insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to lower your monthly bill.

Numerous battle to insure your vehicles, and because of this it can be hard to compare to find the lowest price

It's important to compare prices yearly because prices are constantly changing. If you had the lowest price on your last policy you can probably find a better price now. There is a lot of bad information regarding auto insurance online but we're going to give you some great ways to quit paying high auto insurance rates.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get lower auto insurance prices.

Do you know you're credit rating? - Your credit rating is a big factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible than drivers who have lower ratings. If your credit score can use some improvement, you could save money insuring your by repairing your credit.
Where do you drive? - The more you drive in a year's time the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance policy is showing the correct driver usage, because improper ratings can cost you money.
Car features impact rates - Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your vehicle from being stolen.
Liability coverage is cheap - The liability section of your policy is the protection in the event that you are found liable for personal injury or accident damage. It provides legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Discounts for married couples - Having a wife or husband actually saves money on your auto insurance policy. Marriage translates into being more responsible and statistics show married drivers get in fewer accidents.

Policy discounts you shouldn't miss

Car insurance companies don't always publicize every available discount in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on auto insurance.

Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
E-sign - Certain companies may give you up to $50 for buying your policy on their website.
Organization Discounts - Being a member of certain professional organizations could trigger savings on your policy.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like it's possible to get free car insurance, you won't be that lucky.

To choose providers with the best auto insurance discounts in Italy, click this link.

Save $429 a year? Really?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make the same claim about savings if you move your coverage to them. How do they all claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk might be between 30 and 50, has no prior claims, and has great credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be charged higher rates which leads to the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the savings. That is why you should get as many comparisons as possible. It's impossible to know which insurance companies will fit your personal profile best.

Insurance agents can help

When buying the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so this has to be addressed. For example, these questions can help discover whether your personal situation might need professional guidance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Who is covered when they drive my vehicle?
Do I have any recourse if my insurance company denies a claim?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Even more information is located at the Texas Department of Insurance website. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, view a list of available companies, and find out which companies have the most complaints.

Affordable insurance is out there

When you buy insurance online, never buy poor coverage just to save money. Too many times, consumers will sacrifice collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Cheaper auto insurance is possible both online as well as from independent agents in Italy, so compare prices from both to get a complete price analysis. There are still a few companies who don't offer online price quotes and many times these small, regional companies only sell through independent insurance agents.