Where I can buy cheap insurance online?
Posted on Mar 13, 2008 under Insurance Information |Where can I buy cheap insurance online without having to pay so much up front. I have 3 tickets in the past 3 years.
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Insurance Information
Where can I buy cheap insurance online without having to pay so much up front. I have 3 tickets in the past 3 years.
March 13th, 2008 at 8:47 am
argos.co.uk
March 13th, 2008 at 8:47 am
You should have done a driver's class to reduce your points. You can do one each year.
Progressive is cheapest I have found. And good service.
March 13th, 2008 at 8:47 am
I have found that the online quote engines can't beat what I can get through a local agent. Regardless of where you get your insurance, the down payment will be a minimum of one months premium and most likely two months. That is because you pay for your insurance before you use it. It gives the company time to let you know if you are going to lapse.
Contact a local independent agent. They can give you several quotes. One might be a larger overall premium but have a lower down payment. Others might be less expensive but will require a larger down payment. There might be one that has both a lower premium and a smaller initial premium requirement. Take the one that best meets your needs.
With 3 tickets in the past 3 years you will have to go with a higher risk or "non-standard" carrier. The premiums are higher to reflect the risk involved with insuring a driver who doesn't obey the traffic laws
March 13th, 2008 at 8:47 am
Why do you want to buy on-line? Chances are, you won't know WHAT to ask, and then you might not know HOW to answer the questions. After all, how much AI (artificial intelligence) does an on-line computer engine have??
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
November 5th, 2009 at 5:48 pm
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October 30th, 2011 at 1:46 pm
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January 18th, 2012 at 4:47 pm
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