Most drivers know that it's worthwhile to request a few car insurance quotes for comparison before signing up for a new policy. However, many drivers stop there; they find a policy, lock in a good rate, and sit tight. The problem is that car insurance rates change throughout the year, and in many cases, drivers can greatly limit their premiums by comparing car insurance quotes to their current insurance policies. Understanding the relationship between a quote and an existing policy doesn't require much more than a little bit of common sense.
Car insurance quotes are generated by salespeople that want to do everything possible to sign a driver up to a new policy. This is especially true when they're trying to win business from a competitor. By gathering online car insurance quotes, you may be able to create a bidding war between your current insurance provider and one of its competitors. This will require you to notify your current insurer of any lower quotes that you receive, of course. Once they know that you're looking around, your current insurer will do whatever they can to find you a lower cost policy to keep you as a customer. They may even look for special car insurance discounts to offer you (for instance, discounts for low mileage, customer loyalty or multiple cars).
Drivers that check their current insurance policies against online quotes several times a year will often be able to avoid the sudden rate hikes that insurance companies sneak into their policies. This is even true if your premiums rise due to an auto insurance claim or a traffic citation; competition is extremely powerful, and often a quick five minute search for better car insurance quotes will lead to a lower-cost policy. Many drivers can avoid lowering their coverage or taking other drastic steps to get an affordable premium with a simple online search.
In order to get car insurance quotes online, you'll have to enter information about your driving record, vehicle, and your address. Using a car insurance quote comparison website can help to decrease the amount of time spent entering this information. The advantages of looking for car insurance quotes can be immense for drivers with existing car insurance policies, and any time spent can pay off almost immediately. Drivers should plan on checking their policies against competitive companies' car insurance quotes a few times each year, and any time that major policy changes are necessary (for instance, when adding a new car or a new driver to a policy). Competitive quotes are a valuable tool for consumers everywhere, and this is especially true for car insurance customers.