This Is How Often You Should be Comparing Your Car Insurance Rate

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While not everything in the gig economy requires a car, there are countless opportunities for independent workers that rely on access to a vehicle. From ride-sharing to delivery driving, there are plenty of ways you can use a car to supplement or make up your full income. But, with driving comes responsibility. To make sure you’re covered with the work you do, you need to make sure you have the proper car insurance. And, to protect your wallet, you need to be smart about choosing the right car insurance rate.

It makes sense to compare rates when you’re first picking an auto insurance company to use. But, once you pick one, should you still be comparing quotes? Here’s what you need to know.

Compare Your Quotes Once or Twice a Year

Your financial situation can change throughout the year, so finding ways to save on car insurance is a smart way to maximize your dollar. What was once a great deal with one auto insurance company may not stay competitive over time, so looking for other options isn’t a bad idea.

We recommend taking a look at car insurance rates in your area a few months before your policy needs to be renewed. Several factors (like raising your credit, adding another drive to your policy or getting into an accident) can influence your rate. By looking before you renew, you can give yourself the opportunity to find a new policy or plan with better rates or coverage.

If it’s too late to plan ahead, you should definitely look at other auto insurance rates right before you renew your current policy. Having the time to do some research and make an informed decision is ideal, but even a few hours of consideration can result in a better bill.

Go for the Best Deal That Matches Your Needs

When you’re looking for the best car insurance rate, make sure you’re keeping all of your own personal information in mind. Car insurance premiums are impacted by a variety of factors that can raise or lower the premium amount, including but not limited to your:

  • Driving history
  • Credit history
  • Age
  • Marital status
  • Vehicle type and age
  • Driving frequency and distance traveled

If you’re looking for the right insurance policy, you need to know it covers you and your own unique situation. To do this, your best bet is to really ensure you’re including all of these details in your search so you don’t spend time looking into an option you don’t qualify for.

Use Tools that Make Comparing Simpler

Most people don’t consider shopping for car insurance to be a fun, full-day kind of event. Luckily, there are plenty of tools out there that make comparing car insurance rates and quotes simple and easy.

If you’re looking for quality results in only minutes, you’re in the right place. We have the best resource for you!

Would you like to save hundreds of $$ a year? Let's make sure you have the best auto insurance.

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