Comparison is vital when looking for the best value in car insurance. Unlike an ordinary insurance industry, which offers quotes from literally dozens of insurers about virtually every imaginable coverage, a specialized car insurance comparison site only offers access to quotes form a handful of the most popular insurers around. As a result, rates tend to be significantly lower than if you had sought out these same policies directly from the insurers. This is not a problem if you are only looking for basic liability coverage for your vehicle. However, if you wish to include additional driver and medical coverage or collision coverage on your policy, you will have to take out these additional policies from a multitude of insurers. A specialized comparison site will be able to offer you the most comprehensive quote available, and will charge you much less for this service.
Progressive is one such specialized site that you may want to compare rates against. Progressive insurance offers low rates to drivers in several key demographic groups, including women, seniors, people who own their cars outright and people who own homes. If you own your own home, you will be able to deduct the interest on your mortgage from your tax returns, and if you have a good credit score, your insurance premium will even be lower. You will not have to pay as much for your Progressive insurance rate as you would have to pay for the exact same coverage in the case of a regular insurance company.
Many drivers will have a good driving record and have no accidents or tickets on their record. These drivers will be able to take advantage of the majority of discount offers made available by insurance companies for drivers with clean driving records. Unfortunately, it is also very common for inexperienced or even habitual drunk drivers to get tickets. Although they may not have a history of driving violations, these drivers still can end up having accidents or traffic infractions on their record. Even though these drivers’ driving records are clear, they will have to pay much more for their Progressive insurance than those with clean driving records.