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Getting average car  insurance rates is the way to find the ready cheap car insurance quotes.  Do you ever consider your auto insurance is expensive? Are you paying too much for auto insurance? Do you know your insurance policy is the cheapest auto insurance? In this article I will answer these questions and show you how to get average auto insurance rates.

Staying with the same car insurance companies has both advantages and disadvantages. Car drivers who buy insurance policies from the same insurance companies get discounts, build interpersonal relationship with the companies. But there is a chance not to get average car insurance rates or the cheapest car insurance quotes from other companies. We all know there is a competition among top car insurance companies, so they often reduce the insurance prices, offer cheap car insurance and various promotional packages which the older customer don’t get. Also there is a tendency among the car drivers who are staying with the same insurance companies for a long time think that they  are getting the better insurance quotes than average, so they don’t bother to shop from other companies and even don’t get auto insurance quotes from other top rated auto insurance companies.

There was a time when getting car insurance rates was not so easy because of internet access, car drivers have to collect auto insurance rates by contacting with the insurance companies or local agents and it was time consuming. Now internet makes it easier and less time consuming to get auto insurance quotes within few minutes. Car drivers can find as many auto insurance rates as possible with just a simple mouse click.

If any car driver stays with an auto insurance for 7 years, he can request auto insurance rates from other insurance companies and if he sees that few insurance companies offer cheaper car insurance than existing company, he can request the present company to lower the car insurance rates.

There are many websites which provide car insurance quotes from multiple auto insurance companies simultaneously. Give your personal and vehicle information and get car insurance rates from at least 5 companies and find the cheapest one. Show it to your local car insurance agent and request to provide you better than average car insurance rates. If the agent doesn't agree to give the best auto insurance rates, you can switch to another company to get better service with lower price.

Finding average auto insurance is not tough if you know how to search. Get quotes from other insurance companies and choose which is the best and cheapest. Ask your agent to lower insurance premium and if the agent doesn't agree, shift to another insurance company. 

How to find the cheapest car insurance from the top rated auto insurance companies? How to buy cheapest car insurance policy? From this post you will get the answer of these two questions and a few tips about how a driver gets cheaper auto insurance.

Before going to the further discussion you have to understand that the cheapest auto insurance doesn't always mean to be the best insurance price you want to pay. Auto insurance companies design their insurance policies like the more a car driver willing to pay, the more coverage the driver will get. But does the driver really need these coverage, What if the driver needs less coverage but is paying for unnecessary extra coverage.

The auto insurance companies use two ways to express their coverage; single limit liability and combined single limit liability. Single limit liability is the new approach for car insurance liability coverage. Under single limit liability, the insurance company will pay any flat amount of the coverage limit. If a driver buys an insurance policy for his car and single limit liability coverage for $300,000, the driver will get paid for any single accident including bodily injured and property damage. Also parties involved with the accident have to share in the limit of $300,000. Combined single limit or split limit liability divides the liability limit up to over three parts; one amount for bodily injury per person, one amount for bodily injured person for the accidents and one amount of the property damage. If a driver have $300,000 for entire policy and shows combined single split liability, the liability caps will be $100,000/$300,000/$100,000 where $100,000 for bodily injured per person, $300,000 for bodily injured in entire accident and $100,000 for property damage. Which liability will pay you more? First calculate the claims in both ways and see which liability gives higher advantage to you. You shouldn't accept lower limits of liability because it has less coverage.

If you find the cheapest car insurance in another auto insurance company and want to move to this company, apply at least one month before your current insurance policy runs out and start your new insurance policy from the day your existing policy runs out. In the mean time your agent will have time to check on your records and make a proper decision about cheaper car insurance unless if your agent find any conflict, your prices will go up. If your agent satisfies, you may get the cheapest auto insurance.

If you want to find the cheapest car insurance, you should be aware of the insurance deductible because the higher the deductibles, the lower the chance that the insurance company has to pay you up. There are many small claims that the policyholder doesn't report because the claims are less than the deductibles. Check the deductibles are same for collision and your current policy.

To get the cheapest car insurance these tips are enough, but if you need to know more information, contact with your local agent and discuss about what are the other ways to find the cheapest car insurance from the best auto insurance companies.