Shopping for Car Insurance…Again

by Kay Lynn

mercury insurance

A few weeks ago I got the notice of the automobile insurance premiums for the next six month period.  It was several hundred dollars higher than the then current premium.  I thought the insurance company had forgotten my Costco discount and called them the next day.

It wasn’t a mistake.  They had “reviewed and reassessed” rates for Southern California and determined they were undercharging.  They offered that if the 20-something son drove the old van it would remain the same.  Umm, that wasn’t going to fly since he is making payments on a nice 2009 SUV.

After only one year we were shopping for car insurance again.  This is on top of the health insurance changes going on at work.

My son recommended AIS (Auto Insurance Specialists) as many of his friends had  gone through them.  I compared their quotes to other online sites and found them competitive and able to show prices between various carriers.

We ended up with Mercury and are paying less than we were previously after discount for moving our condo coverage over.  Let’s hope we don’t have to do the same thing next year.

Have you shopped for automobile insurance recently?  What advice do you have on finding the best deal?

photo credit: TheTruthAbout…

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{ 14 comments… read them below or add one }

Mike - Saving Money Today July 30, 2010 at 7:16 am

My only advice would be to get a few quotes so you can see which is the best instead of just going with one. My insurance company only insures NJ residents so i can’t help you with a recommendation.

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Bucksome August 1, 2010 at 11:27 am

Great advice. I’m happy with our carrier for now. Let’s hope I’m not shopping again next year.

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Little House July 30, 2010 at 9:18 am

I recently switched insurance from esurance.com to USAA. I decided to switch after I received a promo offer from USAA claiming they could save me money. They were able to save me about $15 a month after everything was said and done. I really like USAA so I also preferred giving them my business instead of another unknown company. However, I’ve heard that Mercury is one of the best deals around for auto insurance. (I’m not sure how it would stack up against USAA, though).

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Bucksome August 1, 2010 at 11:30 am

A lot of people have USAA in this military town but they weren’t the lowest this time.

I hear good things about them.

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Max July 30, 2010 at 10:24 am

It’s always a good idea to check with your homeowners insurance provider if you have one, as you can often get discounts when you get multiple insurance plans from the same provider.

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Bucksome August 1, 2010 at 11:31 am

Max, good point. I did just that this time.

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Mrs. Accountability August 1, 2010 at 3:07 pm

I have AAA and they keep sending an offer that if I get a quote from them they will give me a free $10 gas card, so that’s who I checked. We’re also up for renewal. The AAA quote was under our current quote. I’m going to check around a bit more before I make a decision.

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Bucksome August 3, 2010 at 5:47 am

Definitely check around. At one time they were the cheapest for us, but not the last few years. Good idea to take advantage of offers like that!

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Lethea Benson August 3, 2010 at 8:17 pm

Ugh! Yes, I too just changed my Auto insurance carrier no tips in particular just be ready for a bit of extra stress in your life while shopping rates=( We did come out on top so I’m glad I did and saved a little $.

I’m so enjoying this blog!

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Bucksome August 4, 2010 at 12:25 pm

Lethea, you’re right it is stressful! I had a deadline on top of everything else that goes on routinely at work and home. It is nice to end the process paying less overall.

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Mikes cheap insurance August 5, 2010 at 1:39 am

Note down all your circumstances and then research some insurers that are best suited to you, then get quotes from them all.

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Bucksome August 5, 2010 at 4:40 am

Good advice. They do ask a lot of questions when getting insurance and it was easier because I had almost everything with me.

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ebonie August 31, 2010 at 11:45 pm

I switched to AARP insurance once I became a member and my home and car insurance rates came down quite bit. Their customer service has been awesome so far.

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Kay Lynn September 4, 2010 at 5:56 am

Ebonie, we are AARP members so I’ll check their rates once Iget the 24 y/o off our plan. It should be within 6 months.

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