For most people, car insurance can either come really cheap or you will pay out the nose for it. Other things that come into play when looking for car insurance is how many accidents you’ve been in or how many tickets you have. Age is also a very important factor since you are considered a risk until your in your mid to late 20’s. A lot of think that all insurance companies will offer the same rate which is not true. There are several ways of getting car insurance and I’m going to give you some of those and which will be easier than others.
One of the more popular methods people like to use is the Internet. There are several sites online that offer car insurance like E-Surance for example amongst many others. Most of these sites are pretty reliable for online auto insurance but they were a bit pricey. I’m only 19 years and I know that car insurance regardless will cost me a lot but after getting a quote on E-Surance, it was around $200 for just PLPD. I’ve searched through some message boards for online car insurance and have found that many people end up paying more for online auto insurance.
I’m not sure the reason for the price being more online but maybe it’s just because it’s more of a convenience since you can just print your insurance info off right on your computer. Personally I think that local insurance agencies are more reliable since I can physically go visit them.
The no name local car insurance companies I personally have never dealt with. In my town I live in Michigan, I have a couple of these places throughout town. I’ve gotten quotes from each one just to see if I could be saving some money and both of them were around $150 a month for just PLPD. There was no way I could afford $150 right then and pay for gas and everything else each month so I decided to pass on these.
I’m skeptical of them anyways since it’s not a regular insurance agency like State Farm for instance. I’m not entirely sure how many people get their insurance through the local companies but there are some that are reliable and if you can find one that offers the best rate, then congratulations.
Honestly, I think agencies like State Farm are the best choice for getting car insurance. They are reliable; you normally will have an actual agent instead of just a few people working at a desk each day. I was able to find the best rate possible through State Farm but I figured that I could get a better deal online or through a lower named place but it was the exact opposite. These places are much more trustworthy and you can find them nationwide.
Bottom line, there are three main ways of getting car insurance but going through an agency in your town like State Farm is definitely your best option. It’s a national company, reliable, you can physically visit them if there’s a problem and you will have an actual agent to talk to. Online car insurance is a good convenient method for anyone that doesn’t have a company like State Farm around them but it will most likely cost you more.
