With the hard times caused by the current economic climate, shopping around for online auto insurance quotes is a great way of shaving money off the monthly outgoings.
Whilst some of the claims that you can save thousands of dollars are a blatant sales pitch, the fact is that you can carve a chunk out of your bill.
For many families, saving even fifty bucks a month can make a huge difference, freeing up money needed for other essentials.
Human nature dictates that most people stay with the same insurance company, partly through loyalty and partly because changing provider seems to be such an effort.
Sometimes, staying with the same insurance company can be fruitful, especially if they offer discounts for their long-term customers.
However, it is not always the cheapest option, and spending an hour or two hunting for online auto insurance quotes can save hundreds of dollars.
Before you start hunting, draw up a list of your requirements.
Do you want fully comprehensive cover or is basic coverage sufficient? If you need your vehicle for business, then you should look at a company that provides a replacement vehicle if you breakdown or have an accident.
If your car is older, there is little point in taking extra collision cover; it will work out to be more economical to pay for any repairs.
The more details that you have, the more likely it is that your online auto insurance quotes will be accurate and match the final cost.
Look for some easy gains, too, as a few precautions can really bring down the cost.
Fitting a few basic security devices to your vehicle, and parking it in a lockable garage overnight can help to shave off a few dollars.
Once you are armed with these details, you are ready to go hunting for your online auto insurance quotes.
A few minutes spent writing a list of exactly what you need, rather than what you would like, can really save you a sizable sum.