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It’s a Great Time to Get New Car Insurance Quotes!

Thinking about getting car insurance? Chances are good that you’ve probably already gone online and looked at some car insurance quotes. However, the truth of the matter is that even though you might have a few quotes under your belt already, it doesn’t hurt to keep looking.

Not sure what we mean? Well, let’s break it down a bit further. You see, the thing that a lot of car insurance shoppers don’t realize is that car insurance quotes change from month to month. This means that if you really want to get the cheapest deal on car insurance that you can, you will need to make sure that you really look at getting more quotes more frequently.

There are a few things that can change the type of quotes that you get. For starters, if you are improving your credit score, you might find that you are getting lower quotes. This is because you’re proving that you’re a safer risk than someone with a higher credit score. Now, it doesn’t seem fair that something like your credit score can be used against you like this, but that’s jut one more reason to pull your credit report and really look at what’s there. If there’s negative information that isn’t true, then you really need to get that corrected before you get serious about shopping for anything that’s going to be base don your credit. It might take a long time though, so if time is of the essence then you’ll have to skip this step. However, if you really do have time to get things done, then you might want to make sure that you take this step — it could really save you hundreds of dollars.

Another thing that can change your quotes is the fact that it’s more time that’s passed since you’ve had an accident. If there’s one thing that spikes your car insurance premiums, it’s definitely the amount of accidents that you’ve had. There’s no way to remove accidents from your vehicle report — only time can do that. Generally speaking, most insurance companies are only concerned with the last 3- 7 years. Some companies only care about the last 36 months, while other companies want a longer history, especially if they’re going to try to give you a fat discount. You just need to look at what you’re trying to achieve and go from there.

Even though we’re big proponents of looking online for your car insurance quotes, the truth is that sometimes you really do have to reach out to someone on the phone or even write a letter. If you’ve been comparison shopping for a while and you know that you can get a better rate, then you might want to call a company representative and see what else they can do for you. When a company knows it could lose your business, then they definitely want to make sure that they do everything they can to avoid that point.

Overall, there are a few things to look at when it comes time to get new car insurance quotes. Since you’re already online, why don’t you scoop up a few new quotes right now? You’ll be glad you did!