New Car Insurance - How to Get The Cheapest Rates

Hi, my name is Brian Stevens. I am a former insurance agent and financial consultant. I want to show you how to get the cheapest rates on new car insurance. You may have just purchased the car of your dreams or you are about to and you want to get the best new care insurance of the best rate. So, here is how to do it.

When you buy a new car, your loan company will require a certain amount of car insurance to protect itself in case your car is damaged or stolen. If you do not get your own insurance your loan company or dealer will get it for you and believe me it will not be cheap.

The last time I purchased a car, the difference between my loan company’s insurance rate and the rate I got myself by comparison shopping was more than a thousand dollars. So, the first thing you need to do is go shopping and compare rates.

The easiest and fastest way to get cheap rates is to go to a car insurance comparison site. Here you can get multiple rate quotes from a number of insurance companies so you can compare them and choose the best rate.

Once you are on the site, you will be asked to fill out a questionnaire so you can tell your insurance to fit your specific needs. As you fill it out you will be able to view a list of discounts and include them in your auto insurance policy. Here is some new car insurance discount worth considering.

Raising your deductible by a couple of hundred dollars can save you hundreds of dollars a year on your premium. Installing an auto alarm or antitheft device can also get you a size discount. Dropping unnecessary coverage like medical and towing coverage if you already have them will save you money.

After you choose a car insurance company, you want to make sure that company will give you good service especially when it comes to paying your claims. A good way to see how well a company treats its customers is to go to Epinions.com. Here you will find reviews of all the major insurance companies written by actual customers plus testimony also on how they were treated and what their claims experiences were.

You can also go to your states insurance department website to see what claims had been filed against a particular company. If your state does not provide this information, you can get it from the California department of insurance website at www.insurance.ca.gov.

Visit lowerratequotes.com or if you are on You Tube click on the lower rate quotes link to the right of this video to get new car insurance quotes from top rated companies and see how much you can save. You can get more tips and advice in their article section and get answers to your questions plus get tips on how to lower your premium from an insurance expert by using their online chat service.