by Steve Johnson

The cost of owning a car is rising every year, but you could find some savings in a lower cost car insurance quote. The quote is the first step to getting a better car insurance package. Here are some quick tips to lower car insurance quotes.

Shop around with many different insurance vendors. Stay away from renewing your current package or signing up with the first vendor you talk to and contact as many agents as possible.

Check out the vendor you are considering - do not accept the cheapest price, but make sure the source is reputable. Ask friends or co-workers for a referral or search the Internet or local business bureau to find more about the vendor. Pay special attention to any advertisements for "Free Car Insurance Quotes" because they may contain unsavory terms and conditions.

Be organized. Write down your basic information, including the make and model of your vehicle, your location, your driving record and history and any accidents you may have had in the last decade. This ensures you give each vendor the same information for his or her quote and that you include any information that may affect your rate.

It's important to actually write all this down, too, even if you think you know it in your head. This way you won't forget to mention one or two items to each supplier, giving them all different information to quote from. Having notes that you can check off while on the phone (or while visiting) is the best way to give them all the same facts. By doing that, they'll all be quoting on the same data, which will give you the most accurate quotes to compare.

Remember to ask each vendor if there are any special discounts or promotions available. Consider if you have any special driving patterns, like only driving during weekdays and leaving your car parked during the weekends, to ask specifically if there is a special rate available for your circumstances. Be sure to also ask about other possible discounts.

If you are already a member of a roadside assistance club, you most likely will not need insurance coverage for towing service. Omitting that coverage will save the associated costs. Other optional items include glass breakage and collision damage coverage. Consider your circumstances and if you really need those options. You may have other coverage or the cost of possible repairs could be less than the cost of the insurance and deductible.

Be sure the quotes you are comparing are all written quotes. It is possible that you could decide on a vendor who promised you the best quote, but if it is not in writing the price may change by the time you go to sign the policy. Before you sign, take care to also read all fine print to make sure there are no terms or conditions that are disagreeable to you. You can collect quote information on the phone, but have the information in writing before you compare and make your decision.

These are just a few tips that could help to save you money on your next insurance quote. Any savings you can get would be useful to cover rising fuel, food, clothing and shelter costs in today's hard economic times.

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