Car insurance specials are used by insurance companies as a way of drawing in new customers, and they are used by almost every car insurance company that is active and competitive today. The exact terms of car insurance specials vary, but usually they involve special discounts for drivers and offers of more coverage, lower rates or a combination of the two. A car insurance policy is much more affordable with the help of car insurance specials, as long as drivers know where to look.
A typical special discount program from a car insurance company will offer lower rates for 90 days or permanent lower rates on certain types of nonessential coverage. The idea is to get the insurance buyer to add coverage to his or her policy. Car insurance specials are rarely offered for state required minimum amounts of coverage for this reason—the insurance companies have little incentive to offer special discounts for customers who are buying the minimums. Many insurance providers who offer free quotes online use these quotes as a way to promote their special coverage types. They might offer free accident forgiveness for six months in a quote or other discounts to get new drivers to sign up for a policy. For the insurance providers, this is a win-win practice. They get good drivers to sign up for coverage that probably will not be used, and they promote their newest services and coverages.
Drivers can take advantage of car insurance specials to find permanent lower rates. The best way to do this is by collecting as many car insurance quotes as possible and reading through them to find special discount programs that lower the price of each policy or increase the amount of coverage that you could find. Contact the insurance companies who offer the specials if you have questions about any terms or how the car insurance discounts operate. Then, contact your current insurance company (or the provider of one of the lower quotes that you received for your car insurance) and mention the specials offered by their competitors. You will often be able to negotiate for a much better price on your car insurance coverage, and you may even find out about some special types of car insurance coverage that will be useful to you.
Drivers can use a car insurance aggregate website to collect several quotes quickly to read through. After collecting quotes, the important thing is to contact insurance companies and actively try to negotiate for a better policy or a better price. In most cases, this will quickly result in lower rates for the driver and a more protective policy at an affordable rate.