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 "You Pay How Much For Car Insurance?!"

Why A Smart Consumer Switches Car Insurance Companies Every 6 Months

Tired of that monthly car insurance bill of $86.75 or higher? Well, guess what? You are NOT alone! Did you know that the average American pays $1,800.70 each YEAR for car insurance? That's just absurd, because the smart consumers, like you will soon be, call the shots. Read On...

Many people believe in the harsh reality that "car insurance is expensive”, and for very poor drivers prone to multiple accidents or those with DUI’s there aren't a lot of "cheap" options, but in no way, shape, or form is a reasonable rate out of reach - for ANYONE! What so many of the vast majority of law-abiding, safe driving citizens (no, we don’t mean you can’t have a few speeding tickets) are failing to realize is that they hold the key to cheaper rates by simply having options! Most Americans pay this ridiculously high bill year-in-and-year-out without knowing there's an easy alternative, a MUCH cheaper alternative! Maybe you’re one of them, the kind of person that believes that sticking with an insurance company is going to payoff in the long-run, or that $80/mo is “a lot better than I used to pay”…well, I’ve got news for you – you’re usually getting ripped off and an insurance company has absolutely zero obligation, or incentive to offer you a reduced rate.

..unless of course, they know they'll lose you to the competition!

The Competition: Why You Should Play Them Like A Fiddle.

Insurance is big business, a multi-TRILLION dollar per year industry worldwide - and you're feeding the monster. See all of those skyscrapers and ballparks named after insurance companies? Or maybe the nationwide advertising budgets spanning from television commercials to bowling league sponsorships? Well, guess what? Without generating an insane amount of profit, they couldn't have any of that. There are only 3 ways to make large profits in the insurance industry. Either pay out less on claims (CLAIM DENIED!), charge your customers more, or both. I'll let you guess which one of the 3 they choose.

Want a little more fuel to the fire? You’ve been the “fiddle” for a very long time.

I’m not writing this to make you mad, instead; this is to empower you. Insurance companies are a “for profit” business, just like you should be a “for savings” consumer. This is the sole reason why there is business competition in the U.S. If insurance was a monopoly like AT&T, John D. Rockefellers Standard Oil, or Microsoft used to be, we’d have no choice – but, we DO have choices; hundreds of them!

 “Ok, so how do I do this” you may ask. Great! You’re on the right path. Instead of just saying “It’s easy, put in your zip code in the form at the top and fill out a free quote” – which is true, I’d like to take a little time to explain your options as a smart consumer.

1.     You can get a free insurance quote online.

2.     You can call an insurance company directly.

3.     You can walk into an insurance agency.

All 3 of the options above have their advantages, but specifically #1 (shopping online) has the most advantages of all; and here’s why. If you take option #2 (calling an insurance company), you’re more than likely going to spend 15+ minutes on the phone. Now, 15 minutes isn’t a long time, but the problem is you’re only getting one quote! One quote isn’t really competition now, is it? Even worse? Most people that sink 15 minutes into a phone call are being “pre-sold” on the concept of purchasing a policy without checking anywhere else. It’s a common marketing tactic, and you may notice car dealerships use it like pro’s. “Let this lady wait around another hour”. Why? Because the more time you invest in a process, the more likely you’ll be to “give up” and take it.

Alright, on to #3 (walking in to an insurance agent office). Before the Internet came around, this was your best option, BUT, you have to be careful. Insurance agents/agencies are NOT created equal. You’re still dealing with commissioned salespeople and even more importantly, many of them are “captive agents”, like Nationwide, State Farm & Allstate. Which, without getting too in-depth means they can’t quote any other company than the one they work for. Is that competitive? No. However, “Independent Agents” usually have quite a few insurance companies they can quote and this will help you find the best possible price with that option, but, again, they’re still on commission, you’ll spend an hour or more sitting in the office and worst of all – you can only get quotes from the companies they represent.

So, how does this make #1 the best option? Easy!

Imagine sitting at your desk at work on your “lunch break” and you remembered you needed insurance because your policy is coming up for renewal and your current company just raised your rates. Well, guess what? In less than 15 minutes you can get a free insurance quote from a bunch of different companies, with no obligation to buy, no sales pressure, no need to signup, no credit card…nothing! Whether you use InsurancePlan.net, or go straight to GEICO or Progressive or even another comparison site – understand that you can get as many quotes as you want. Whether it's 5 quotes or 50 quotes, it doesn’t matter. The most important thing is that you get accurate quotes, on your time, and understand the coverages you need and the price you want to pick the right car insurance plan for you.