When you’re on the hunt for cheap auto insurance, you want to make sure that you’re looking at the right time to get the absolute best deals. When shopping for auto insurance online, there are some times when you’ll be more likely to find good deals than others. Here are some tips to help you shop for your car insurance at the best time.
There’s no one best time for everyone
A myth about shopping for insurance is that there’s one time of year that’s best for buying insurance, regardless of who you are or what type of policy you are looking for. There are many factors that go into your policy price, so don’t buy into this falsehood when doing your shopping. The best times to shop for car insurance will have more to do with your existing policy.
Shopping right before your renewal date is usually best
However, there is one time of year that’s best to shop for insurance – right before your policy is set to renew. At this point, you’ll have your renewal rates from your current insurance company, so you can use those to compare to other rates on the market. Switching to a new carrier at this point can sometimes even get you a discount, because many companies offer advanced quote discounts to reward customers who are responsible and shop ahead. It also means that you can switch insurance companies without any extra fees if you need to.
You should get insured right away
If you don’t have car insurance at all and you’re driving, you shouldn’t waste time waiting around to shop. It’s extremely important that everyone on the road has insurance, and you should never be driving without it. If you don’t have a policy at all, start looking right away. Don’t hesitate to contact a local insurance agency for help – they will be able to find you a fair deal while still getting you set up with an insurance policy right away.
Keep these tips in mind when shopping for an insurance policy in order to get the best deal. Working with a local auto insurance agency is another good way to make sure you’re getting the best deal possible.