There is a lot of talk about how unfair the balance is between the average consumer and the car insurance companies, but there’s no reason to feel like you don’t have any way to counteract these problems. For starters, you have to remember that the insurance companies need you just as much as you need them. This means that there’s really no reason to feel like you wont’ be able to find a good rate.
However, there’s another principle that you will need to make sure that you are paying attention to. It’s the principle of risk management, which is the driving concept of all insurance. Think about it — your rate is completely driven by how risky you are to insure. If you’re someone that gets into a lot of car accidents, it means that you will be very costly to the insurance company to actually insure. On the other hand, if you really stop and focus on the good points of your driving history, you can use that to actually lower your insurance premiums dramatically. After all, if you know that you’re not a risk to the insurance company, then you owe it to yourself not to overpay. Let someone else pay more money — you don’t need to do it!
To get the best rates, you should first look for quotes online. This is the easiest way to see what’s available to you. Of course, you shouldn’t take these quotes as gospel, either. Let’s say that you do your legwork and find that your quote is going to be about 75 a month for liability coverage, due to the fact that you had an accident about 5 years ago. If you’ve got nothing else on your record, you might find that you can call the insurance company’s customer service line and actually request for a lower insurance premium than what you had before.
It’s something to think about, especially in a time where you will need to look at each and every expense that you bring into your household. If you really work at it, you can save a lot of money without really having to do too much work for it.
When you’re trying to present your best case to the insurance company, you don’t want to just settle for a phone call. You might really need to stop and actually write a real letter to the insurance company. This will let you actually establish a paper trail instead of having to deal with multiple representatives about the same issue. No one wants to play phone tag, but a lot of people underestimate the power of actually getting an outside record to back up your phone conversations.
If you’re going to pursue this route, you will want to make sure that you don’t just send a regular letter. You need to make sure that you actually send your letter certified mail, return receipt requested. That’s the best way to make sure that you actually have your letter received by someone that can do something about your request, instead of just having your letter thrown in the trash. Many companies don’t answer everything, because to do so would just take too much time. Sending your mail special will make sure that you actually get things done in a big way — why not try it out for yourself?