Cheap Auto Insurance

Have you ever noticed how people will pick and choose what they are going to spend top dollar for and what they are going to scrimp on?  We are all individual in deciding how much we will pay for one thing over another.  I tend to be this way with grocery items. I do not care what brand name the item is as long as it is a good value. I have never been so impressed with one brand or another that I need to buy one over the other.

There are other things that I have tried to save on, but have found that the cheapest is not always the best. We were looking for better rates on our car insurance. We felt that the amount we were paying was too high. We found cheap auto insurance through an internet quote. The savings were substantial. We were careful to enter all the information requested on the forms for the quote so that we would maintain the same coverage. Even though the company for the cheap car insurance did not want to send it out prior to us signing up, we did get a full copy of the general policy. There were some things that we were giving up going with the cheap car insurance, but it seemed worth it. The main thing we were letting go of was a free rental car in case our car was in for repairs. We reasoned that we have an extra vehicle that we use for recreational purposes, so we could use that one if one of the vehicles we use daily is in the repair shop.

We were all set to sign up for the cheap car insurance when we were contacted by the company and were told that they rate would be higher than we were originally quoted. The initial quote was for the three vehicles that we wanted to insure, however our driving history was not taken into account. I had received a speeding ticket thirty-two months prior to the quote and my husband had received on eight months prior to the quote. The speeding tickets remain on your record for three years and affected the premium by over six hundred dollars a year.

Two things really surprised me. One, was the fact that the two tickets had that much of an effect, and two that the company would send out papers to sign us up and give us a quote without looking at our driving history. This experience taught us to ask many more questions when being given a quote. The main question to ask is if the cheap auto insurance quote is specifically for your driving record and your automobiles or if is a general listing based on the cars only.