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Is Getting Multiple Auto Insurance Quotes Really Worth Your Time?

You've seen the ads where one company claims that their insurance is the cheapest auto insurance around and then five minutes later another company is making the same claim. It is no wonder you find find yourself asking if getting multiple auto insurance quotes is really worth your time. And the answer depends largely upon whether or not you really want to save money on that auto insurance. 

The truth is that taking the time and making the effort to get multiple auto insurance quotes can save you money, sometimes hundreds of dollars. However, no one company will give everyone a good deal on insurance. Some companies offer cheap auto insurance to people who have multiple vehicles to insure, while another company may give their cheap auto insurance rates to those people who have safe driving records, while still others may offer the cheapest insurance rates for certain kinds of vehicles. 

That's why getting multiple auto insurance quotes is so important if you are looking for the cheapest insurance for your particular set of circumstances. The best place to start getting these quotes is on the Internet. There are some sites that will take your information then give you quotes for several insurance companies at once. This allows you to make side by side comparisons of the rates available making it easier to find the cheapest rates possible. 

When getting your quote make sure that you clearly understand just what the policy covers. If the policy is not spelled out call the insurance agency and make sure what coverage you are getting. After all, if you now have full coverage and the company giving you the quote is only giving you a quote for basic coverage then of course the basic coverage is going to be much cheaper. The real test is getting a quote for cheaper auto insurance that covers the same things that your current coverage does. 

However, if downsizing your policy is part of your plan to save money on car insurance then make sure you get a quote from your current company as well as from other companies. While it is not as prevalent as it once was there are still companies who reward long time clients with lower rates especially if they make few or no insurance claims. You may also want to ask your current company if they are willing to meet or even beat the lowest offer from other insurance companies. While this is not standard practice it doesn't hurt to ask and it may save you from having to change to a new company. 

Taking time to explore your options and getting auto insurance quotes from multiple companies can save you money in the long run.