Seems like our airwaves are full of people who saved money on their car insurance. Almost every one of these television or radio commercials feature someone who “saved a ton of money” by switching. Usually, what is NOT mentioned is the fact that most of these HUGE savings result from people switching from some shady, no-name insurance company they were forced to use after:
- Their old policy lapsed because they forgot (or neglected) to renew it.
- They were dropped by their previous insurer because of a poor credit score.
- They were dropped because of an accident or DUI.
- They were just starting out and had never needed car insurance before.
So the question is: Can YOU save any money by switching insurance companies? The answer is: I don’t know! Everyone’s situation is different but this is one thing I DO know: it pays to shop around.
I shop around using NetQuote. There I can fill out one form and get multiple quotes, all without the hassle of dealing with multiple agents, multiple phone calls, or multiple “gate-keepers” who won’t let me speak with the agent directly.
So don’t get sucked in by a farmer from the state, an old guy with a big red umbrella, a caveman, a brunette in a white lab coat, a lizard, a cartoon character, a reassuring old actor with good hands, or especially the guy who looks like he was selling watches outside some hotel last night. Take a few moments and educate yourself to make sure your agent isn’t taking you for a ride.
The fact is, if you’re already with a major company, chances are good that you’re getting a relatively competitive price now. But it never hurts to check. And here’s a little secret: many of those big, major companies will give you a quote through NetQuote! That’s when the “only one form” thing becomes really valuable.
Give it a shot! It’s only a quote and you never know when you might be able to save.