Getting the best price for your car insurance isn’t going to be easy because…well it just isn’t!  Everybody is out there to save money, and unfortunately car insurance salesmen have their sights on making a nice buck and that leaves you in a peculiar situation.

How Do You Know If You Are Getting the Best Rate?

Well you don’t, unless you are willing to put in a little time and do some research.  A word of  caution – do NOT just take the word of your insurance rep because they are not working for you.  A car insurance representative is paid by the insurance company, so don’t kid yourself; they aren’t going to put too much effort into lowering your average cost of car insurance.

Here are a few things to keep in mind when scouring the globe for the best average cost of car insurance for you:

• ask and you shall receive
• shop around
• schedule meetings
• know your policy

Ask and you shall receive is a pretty basic concept that’s incredibly effective when it comes to ensuring you are getting the best average cost of car insurance.  Have your agent check your rate and question him or her about getting a better rate.  Without you the company is losing money, so if you give the agent a little pressure, he might get off his butt and get working for you.

Shopping around doesn’t hurt anybody.  It’s not illegal, and information is power when it comes to saving money.  Who knows, you just might strike it rich with a company that can let you have your cake and eat it too.  You never know until you try!

Having regular meeting set up with your agent will also help you keep on top of things.  Saving even a few dollars a month off the average cost of car insurance can really add up.  And if your agent understands you are keeping an eye on things, he may just pull a rabbit out of his hat once in awhile for you.  Bottom line is, having routine get-togethers about twice a year can only help.

This one is incredibly important because understanding the details of your policy will help you find the best average cost of car insurance.  If you know the coverage details you have chosen, you are able to make comparisons.  This, of course, is critical in attaining the lowest average cost of car insurance for you.  Get smart, know what you’ve got and don’t trust anybody else to explain it to you.

This leads us to the next step of what to ask to get your best average cost of car insurance.

Insurance Questions to Ask

1. Am I getting all the discounts possible?

There are discounts for the average cost of car insurance that can save you a bundle.  Some you will know about, and others you won’t, so you’ve got to ask.  Many companies will give you a discount if you’ve passed a safe-driving course of sorts.  Others may offer discounts if you’ve got a car alarm, air bag and other safety precautions in your vehicle.  The reason for this is because you lower the chances of someone stealing your wheels.

There are often discounts offered if you are a professional of sorts or don’t have a long commute to work.  It’s worth your while to ask these questions because they can knock a whole lot off the bottom line.

2.  Is it worth it to have collision and comprehensive coverage?

If you have collision coverage, it will take care of any damage from an accident regardless of who is at fault.  With comprehensive insurance, you’ve got coverage for damage caused by other things, such as theft or natural disasters.  You need to ask your agent if it’s worth it to have both because this question could help you save loads on the average cost of car insurance you are going to pay.

3.  Are uninsured motorists covered on my policy?

This is not mandatory in all states, but you might want it if you don’t have it.  Getting coverage for uninsured motorists will protect you if someone driving without coverage happens to smack into you.  If not, you are on your own.  Most people can’t afford every coverage because it will push the average cost of car insurance up, but it may be worth your while.

If you can afford it, then it’s probably worth considering.

4.  If my vehicles get demolished, how much are you going to pay?

Unfortunately this question often isn’t asked and comes back to bite people in the rear when it actually happens.  Make sure you understand the ‘actual cash value’ and ‘agreed upon value’ and make sure it reflects your situation accurately.  With your ‘actual cash value’, it’s what the vehicle is worth at the time of the crash.  This may be considerably less than what it will cost you to replace it.  This is one scenario that often comes back to haunt people.

With an ‘agreed upon amount’ in your policy, you will have a little bit of flexibility.  Now this is going to be reflected in a higher premium and will boost the average cost of car insurance for you, but it may be well worth it.

5.  If new parts are needed, will I get premium parts?

There are some companies that will guarantee premium parts, and others that won’t.  If this is important to you, then make sure you get it in writing.  Don’t kid yourself because an insurance company is going to try and cut costs wherever they can.

Taking precautions to make sure you are getting the lowest average cost of car insurance that gives you the coverage you need is important.  Take the time to do some research, make sure you understand your insurance policy and understand what you have and need.  This will save you a whole lot of heartache if and when it comes time to make a claim!