US residents can lower auto insurance rates in 2009

Los Angeles, CA · January 7, 2009 /PRNewswire/ — United States residents can cut down auto insurance costs this year by completing a rate comparison from over a dozen top companies such as Progressive, GMAC, Infinity, Bristol West and more, all at the same time. Completing quote comparisons helps narrow down the insurer offering the lowest prices for the needed coverage without compromising quality.

Here is how to lower auto insurance rates with a few steps:

1. Get quotes – By entering basic information about drivers and vehicles, instantly get multiple auto insurance quotes from top companies all at the same time. No need to repeatedly answer the same set of questions to get a quote from different insurers.
2. Complete a comparison – Compare auto insurance on multiple factors such as price, financial stability, brand, customer service and more. Comparisons are encouraged by most government consumer guides because it increases the options and levels out the competition.
3. Find cheap rates – The cheapest rates may be offered by a different carrier for each driver because of the many unique rating factors used to determine premiums. In order to locate cheap auto insurance, one must obtain the prices of multiple companies to see which one in particular will offer the lowest.
4. Buy a policy online – Purchase auto insurance online with an electronic signature and application speeding up the entire process. Buying policies online adds many convenient Web-based management features and also reduces the use of paper; therefore, helping the environment with a "green" policy purchase.

There are multiple ways of lowering car insurance costs demonstrated in the attached video. In summary:

• Take advantage of discounts:
• short commute to work or school
• good student grades (above "B" average)
• multiple-car discount (2 or more vehicles on the same policy)
• prior coverage (having another policy in effect within the last 30 days)

• Be knowledgeable
• avoid unnecessary protection such as "full coverage" on a low value vehicle
• consider high deductibles on comprehensive and collision coverage
• avoid duplicate coverage such as "medical" when a health policy is in effect

• Compare multiple company quotes
• rates vary within companies
• comparing insurers provides a level playing field
• keep in mind that the cheapest company for one person will not always be cheap for another

For an instant quotes comparison, visit OnlineAutoInsurance.com