It’s a no-brainer.  The more crashes and collisions on your driving record, the higher...

When obtaining a car insurance quote, two numbers make a significant difference to the premium: t...

It was bad enough that you were in a collision. Your beloved car is waiting for repairs.  Th...

You may have been with the same car insurance company for some years.  You might have good reasons; but perhaps you have some poor reasons.

Customer Service is very important.  Hopefully, you only deal with your insurance company, agent or broker to renew your policy.  If you can contact your agent, ask questions, and receive good answers: that is a winning situation.

If you had to file a claim, and it was handled promptly and professionally: again, it is a good relationship and is worth your loyalty.

Personal Relationships are important.  If your favorite aunt is your insurance broker, you may not have any choice.  On the other hand, she had better be giving you a good deal.

Convenience is important to everyone.  It certainly is easier to respond to the renewal notice by writing a check than by phoning a dozen companies to compare quotes.  But you might be paying for this convenience.

You might be getting a bargain by buying multiple lines of insurance from one company.  Some insurance companies offer combinations of car, home, life and health insurance.  Often they will offer a lower rate on one line if you buy another also.  Again, this can be a winning combination.

However, few insurance companies offer lower rates just for remaining a loyal customer.  If your premium went down, it might be due to factors other than loyalty: more years of driving experience; more years without claims or traffic violations; moving to a safer community; or other factors you may not realize.

You might be penalized for your loyalty.  Perhaps you did your research back when you had some traffic violations or collisions fresh on your record.  The best car insurance quote came from a company that was willing to take a chance on you anyway.  But perhaps now your record is cleaner – say, you took an approved course from a court-approved school and your state takes this into account.  But perhaps your car insurance company charges more for the good drivers, as a way of making up for the losses incurred by the bad drivers.

As we noted above, you might have good reasons for staying with your current insurance provider.  You might even be getting a good rate.  But…are you sure?

There is only one way to know what your lowest rate could be:  compare car insurance quotes.  You can obtain car insurance quotes through carinsurancequoter.com for free and with no obligation.