When it comes to choosing and comparing auto insurance quotes, customers are faced with numerous options. Nobody wants to pay high insurance rates, especially when it comes to auto insurance. It’s always great to choose from a whole array of options, but sometimes having too many insurers can make it a tough choice when it comes to comparing company quotes. It’s also important for customers to occasionally compare quotes as prices regarding auto insurance tend to fluctuate rather frequently. A great quote you found 3 years ago may have been the best deal at that time, but now the chances are greater of finding a better deal. Let’s take a look at some tips and tricks that can help you find out the quickest and most convenient ways of getting the best coverage at the most competitive rates.

Look out for things that can influence your insurance rates

Marriage –Being married and having a spouse gives you the tag of added responsibility and helps to decrease rates on your insurance policy.

Multiple policies with one company –Those people who have their auto insurance policy along with their homeowners’ policy, for example, under the same company are more likely to benefit from a range of discounts

Added features that cut premiums –Devices or systems that prevent theft, such as anti tamper alarm systems help to prevent auto theft and can also give you a discount.

Age –Older drivers are considered more mature, safer and are less likely to file for claims. Hence, they are more likely to pay lower auto insurance rates.

Greater the miles, more the premium –Yes you heard that right, the greater the distance travelled by your vehicle, the more you have to pay to insure your vehicle.

Discounts available

Many companies don’t usually list all the discounts that you can gain benefit from in one place. Let’s look at some of these discounts in greater detail.

Rewards for being a good student –Up to the age of 25 years, students can gain discounts of about 25% for earning good grades.

Rewards for military service –When you’re currently deployed in a military unit, you’re bound to benefit from a discount on your auto insurance.

New car discounts –Purchasing a new car will give you the added benefit of up to 25% less payments on auto insurance.

Driver safety course –Enrolling in a driver safety course gives you a 5% discount on your auto insurance payments.

No or few accidents –Those drivers who drive cautiously with no accidents are lesser to file for claims and hence are rewarded with lesser priced payments when compared to their counterparts.

Know your Auto insurance agents

Normally, auto insurance agents are of two types. Firstly you have agency captives and secondly you have broker or independent agents.

Agency captives –These individuals have vast knowledge about company products and hence can sell insurance at higher premiums. They write business for a particular company. Examples in Houston include State Farm and American Family Insurance

Brokers or independent agents –These individuals don’t work for a particular company and for this reason put a number of different coverage in front of customers, helping you choose the best one. Examples include Chapman and Evergreen General Agency in Houston.

In order to find the best auto insurance quotes, buyers should always remember that the greater the number of price quotes they have, the more likely they are in getting the lowest rates. Sometimes even the smallest of companies can provide you with what rates you’re looking for. The key is to occasionally compare and research quotes.