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by: SusanTanner
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The cost of driving an automobile in California can be prohibitive without a cheap auto insurance quote, and, in a recession, finding a better way to get a car insurance quote can be one of the best things one can do to save money.

While it may seem like a simplistic suggestion, shopping around before buying really is the easiest and most important way to ensure that one is getting best deal possible on car insurance. Many consumers renew their policies automatically without comparison shopping, or simply call the first company for which they see an advertisement. Careful planning can really help to find a better car insurance quote.

Once you get the cheapest rate, you should also make sure it's from a legitimate source, too. If you can't get reliable references from friends, family members or co-workers, check the Internet for reviews and experiences, and contact your local business bureau to ensure that you're dealing with a reputable outfit.

Another way to obtain more cost-effective car insurance is to be organized from the start. Before searching for quotes, put all of your driving information (the make, model, and year of your car; your address; a brief summary of the accidents or tickets you've had in the past 10 years; and any special safety features that your car has on it) down in an easy-to-read format, and have it with you while researching or speaking with insurance agents.

While it's certainly true that you'll know some of this information (such as your address) off the top of your head, it's still a good idea to have it all written down and in front of you when speaking with a variety of insurance agents, so that you don't forget anything; the information can act as a checklist of things to be sure to mention when on the phone or meeting with an agent. Giving the same information to each agent will help to ensure that you get truly comparable quotes.

Don't forget that insurers sometimes offer special deals if you're able to do without certain things; for example, eliminating weekend driving may reduce your policy price substantially, since many accidents happen on Saturday and Sunday. Thus, you should remember to inquire about such programs while speaking with each agent.

In the same vein, you can save money by eliminating optional coverage you don't need. For example, if you belong to any roadside assistance club, you can safely strike out optional towing coverage. Removing that coverage will remove the associated costs from your total. You might also consider striking out collision damage coverage, and/or glass breakage coverage, depending on the costs of those options and the age and condition of your vehicle. If the cost of repairing or replacing your car is lower than the repair insurance plus deductible, you're better off driving without the coverage.

Lastly (it can't be overstated how important this is) get quotes in writing before making decisions! Otherwise you may end up choosing one supplier based on a price you expect to receive, only to see extra terms and conditions on the final forms. Quotes can also differ in their fine print terms and conditions, so be sure to compare details before making your selection. There's nothing wrong with getting quotes over the phone or by visiting various offices, but before you actually compare those quotes and make your choice, be sure you've got them in writing.

These tips will assist you in obtaining a better and more cost-effective car insurance quote. During this rough economic period, saving on your car insurance can help substantially when it comes to being able to afford the essentials of life. And, if you save enough on your auto insurance policy, you might even be able to afford the gasoline to actually drive your car!

About the Author

To find out exactly how I got car insurance quotes, visit my website about auto insurance

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