The best way to ensure that you get the best rate possible is to shop around and know the process as well as possible. Many people make the mistake of accepting the first quote they receive. Look into the rates of companies suggested by family and friends. Their experience can take a lot of the guesswork out of the situation. They also know about important features like customer service and how willing the company is to settle a claim.
Another excellent source is the Internet. You can get several insurance quotes in a short time by applying online. Some websites even list more than one car insurance company on their sites for quick reference. As far as knowing the process, make sure you have a good idea of the risk range you fall into. Expecting an excellent rate when you are 19, male, and drive a Corvette is unrealistic. However if you are married, have children, and drive a family car you should realistically expect a better premium offer.
Before officially applying for car insurance another good thing to check out is your driving record. Mistakes happen and you don’t want to be offered higher rates because of a clerical error. Your driving record also has a lot to do with how willing companies are to work with you on an affordable rate.
It is possible to not pay through the nose for car insurance. Like every major purchase, car insurance needs to be properly researched and be sure to get several quotes from various sources before making your final decision.