Praetorian Insurance – Direct Car Insurance Quotes
Every intelligent shopper these days knows that the best place for getting great low rates on automobile insurance is on the net. The world wide web is a fiercely competitive marketplace where the consumers hold all the cards. Customers can sit in the privacy of their home and get as many quotes as they want, when they want, and choose from what carrier to buy a policy. Comparing multiple direct car insurance quotes online in minutes has re-shaped the insurance industry forever.
Gone are the days of pushy brokers hiding information and promoting policies that give them the most significant commission. The real action today in the auto insurance market is online, and by putting a few simple tips into practice, anyone should be able to save hundreds on their annual insurance bill. Ake a look at these simple ways you can lower your insurance premiums. Check rates with a Praetorian insurance company in just five minutes.
1- Shop at Comparison unbiased sites that offer multiple Direct insurance quotes.
To save time, visit sites that compare all major insurance providers’ rates. Rather than going to each national insurer one by one, you can enter your zip and other essential info and then make a comparison in about 4 or 5 minutes. Traditional portals like Praetorian insurance company let you comparison shop the best rates from all the top carriers, in addition to helping you get all the discounts you deserve.
2- Decide on the Amount of Auto Insurance Coverage You Need
The cost of your policy will be made up in part by the type and quantity of coverage you need. If you are a young person just starting with limited financial resources and driving an older car, you might be wise to stick with liability ins with the state minimum limits. However, if you have assets that need to be protected, in addition to the much money invested in your vehicle, you will need collision insurance or even comprehensive.
Remember, insurance is there to protect you, which means protection from lawsuits that could be extremely expensive if you were found to be at fault and caused significant damage to another party. Once you know the coverage you need, you can easily compare rates directly online and see which carrier has the cheapest cost.
Insurance professionals advise purchasing enough liability insurance to cover most of your assets. In general, it is recommended to get at least $50,000 in bodily injury – liability limits in addition to $100,000 or more for all the persons in your vehicle that were injured in an incident.
If you have $1,000,000 or more in personal assets, it might be wise to get a comprehensive policy that protects you up to $1,000,000. Remember, each situation is unique, and you need to buy insurance with the idea of permanently protecting the hard-earned assets that you’ve accumulated.
3- Specialty Carriers have lower Rates in Certain Markets
Many insurers have specialty niches and have special rates for different market segments. They understand the elderly auto insurance market and how to serve those customers. For example, AARP The Hartford has discounts for qualified senior drivers.
Other companies like the 21st century have lower rates than usual for younger drivers between the ages of 25 – 34. This is why getting a large pool of direct auto insurance quotations is essential, so you can be assured of getting the best deal. Shop online now with Praetorian Auto Insurance and see how easy saving money on automotive insurance can be.
4. Gather Detailed Information on each Company You are interested In. First, before you buy a policy
that they are a healthy business, insurance companies, like any other industry, always go out of business. This means you need to do your due diligence first. Never assume they are a healthy business just because a company is online and you got a quote. Go to unbiased sites like A.M. Best and check the financial health of any carrier you are thinking of buying a policy. If they have bad grades, a C or lower, stay away.
Only do business with those providers that maintain solid financial ratings. Also, check sites like Yelp for consumer feedback on claim responsiveness and overall customer satisfaction. You should also check the company’s website and ensure online features such as bill pay, claim to track, and toll-free support are readily available.
5. Get all the Discounts You Can
This is an essential tip because it is easy to save an extra 10% just by applying for the discounts you qualify for. Most carriers have discounts for good drivers, students, teachers, and veterans, to name a few. Another current value is to bundle your home and auto insurance together.
Not only can you save about 10%, but you will save a lot of hassle by only dealing with one insurer. Some companies also give small discounts to pay your premium entirely for the year rather than monthly payments.
Get your direct car insurance quotes today with the Praetorian insurance company. The selection is free, and we can help you get every discount you qualify for. Get going now and see how much you can save on insuring your automobile.