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Did you know it only takes about 30 minutes for most drivers to save around 32% a year on auto insurance? That’s an average savings of $368 per year according to a recent study by NerdWallet.
Why aren’t most people taking advantage of these savings?
It turns out 88% of drivers find shopping for auto insurance to be “too time consuming and difficult to compare prices.” Me being one of them, I set out to determine what the other 12% weren’t telling us. Keeping two goals in mind, save the most money, as fast as possible, I discovered something truly awesome…
Here’s how I saved $322 a year on auto insurance in just 27 minutes – And you can too.
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Understanding auto insurance coverage is no easy task but it can really pay off to determine what level of coverage your really need. Luckily there are a few simple tools that will calculate this for you:
Both these quick and easy tools take less than a minute to use and should instantly give you a relatively accurate estimate of how much coverage you need. For a more in depth read on understanding auto insurance coverage, take a minute to check out this article from the NAIC.
Something to consider – if your car is old, you might be wasting money by paying more money in collision coverage than the vehicle is actually worth. About.com suggests:
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Compare your current auto insurance coverage to the coverage calculated using the tools provided and determine which estimate is the best fit for you. Using that as a baseline, it’s time to start shopping around. We’re going to use a highly effective combination of the two most common approaches: Obtaining online quote comparisons and making a few phone calls to the insurance companies.
While there are a handful of auto insurance comparison sites out there, we’re big fans of The Zebra -with over 200 insurance companies on board and a simple user interface to boot, they take the vote for getting the job done best.
Some other notable mentions include: CarInsurance.com, InsuranceRates.com, and InsuranceQuotes.com.
Something to consider – these services may take your information and sell it to other insurance companies interested in your business. If you don’t want to risk giving away your contact information, check out the next section where we provide direct phone numbers to most of the big auto providers.
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Using the top 2 or 3 auto insurance quotes, it’s best to give the providers a call before making your final decision. Here are most of the top insurers’ phone numbers:
Geico: 1-800-861-8380
AAA: 1-866-539-8033
Allstate: 1-866-704-9900
Progressive: 1-800-776-4737
State Farm: Not listed but here is their website
For a detailed list of expert questions to ask the sales representative, check out this awesome article over at LifeHacker.
Don’t pull the trigger just yet, I’m just getting started…
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