Which Car Insurance Company Should You Choose?

When you are looking for cheap coverage, Erie is a good choice. This established company has more than 13,000 independent agents and 20 field offices, but only offers coverage in 12 states. Erie has a number of innovative features, including a shrinking deductible and Erie Auto Plus, which provides increased policy limits and transportation expense reimbursement. However, the company is limited in the number of states it covers, making it an unlikely choice for anyone looking for coverage in an additional state. compare auto insurance quotes online

Before deciding which car insurance company to choose, consider what discounts you qualify for. Many car insurance companies will offer more discounts if you have a clean driving record, a new car, or a lower risk for accidents. You may even be able to save money by using telematics in your vehicle. Some car insurance companies also offer special discounts for membership in professional organizations. These discounts can make a big difference in your premiums.

Progressive has several tools to help you lower your rates. You can download its Snapshot application, which tracks your driving habits and offers discounts for safe drivers. You can also use their Name Your Price tool to tailor your coverage based on your budget. You can also get instant access to your policy information and submit a claim with their mobile app. If you are not satisfied with their service, check out their other online tools. These may be more convenient for you than you might think.

Another option for lowering your premiums is to choose a high deductible. A $500 deductible will reduce your settlement by $1500. Depending on your circumstances, you may want to opt for a higher deductible. In addition, pay-per-mile auto insurance is an option for drivers with low mileage. Whether you drive less than 500 miles a year or drive just once or twice a month, you can always cut your rates by lowering your deductible.