Shopping for auto insurance?

We thought it may be useful to provide a list of auto insurance shopping tips. Check 'em out:

1. Use our website to locate a competitively priced policy that fits the needs of you and your family.

2. When obtaining quotes, make sure you are completely honest about all the information you provide: driving record, annual miles driven, number of years consecutively insured, etc. Some drivers may try to fudge a bit on their responses in order to find a lower rate. The problem with that tactic is the insurance company has resources to double-check the accuracy of the information. And, if the information is incorrect, it could lead to a higher rate or even an short-term cancellation.

3. One of the simplest ways to reduce your premium is to increase your decuctible. There may be a significant difference between a $500 and a $1,000 deductible, depending on the carrier. If you can afford to pay a little more out of pocket in the case of a loss, raising your deductible may be a good option.

4. Look for a company that offers numerous discounts: multi-policy, good driver, good student, mature driver, group and professional discounts, etc.

5. Utilize the services of independent agents. They can shop from among several insurance companies and find a policy that works best for our needs. Some carriers such as Geico, State Farm and Farmers only allow their agents to sell policies for their company.