The fact that you have chosen to follow a line of investigation in regard to the variety of auto insurance quote means that you are already one step ahead of most auto insurance policy holders or prospective holders. As a person you clearly are sharp on not only getting the best insurance quote possible that your money can buy but also making sure that you get the best coverage possible.
Like any good bargain hunter, before making any decision, you must first get the correct facts down; get the answers to some important questions. E.g. why is your insurance company giving you that rate? You need to understand that insurance companies are a business first and like any other business their main aim is to make profits and therefore they intend to spend less than what they receive. To achieve this insurance companies have developed complex systems to calculate risk and work out premium rates.
In more simple terms insurance companies use the data they have collected for years to grade and give a perfect rate to everyone. This is the reason why your profession, the color of your car, where you live, credit rating and gender matter to them.
Those with a bad record face a high rate since they prove that they are prone to accidents. The rate can go higher if the accidents that occur are basically your fault.
For instance, a well performing student will get a lower rate than a less average student courtesy of the good student discount that almost all insurance companies offer. Other discounts like the good driver discount and insuring multiple vehicles are also considered.
Discounts are numerous. What matters most is if you want to have them. The easiest way is to ask your insurance company whether you qualify and which discounts are available. One major secret you need to know is that there is a law that states that insurance companies have to give you a list of every discount available if you ask for it.
Do not forget to compare the policy quotes just to be sure you get the best rates.
