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Q&A: Everything You Need to Know About Lowering Your Car Insurance Rates

Car insurance has become this thing where people browse online and then choose the lesser of two high rates presented to them. I get bombarded with pop-ups about cheaper insurance only to find that after collecting my information, no such plan was offered. Or, I browse insurance sites and think I've found a good rate only to have it be bumped up at the end. Enough!

The fact is: there's a fundamental problem with the car insurance industry and too many people are paying too much. In an effort to cut some of my fixed expenses and lower my rates, I started shopping around online, with no luck until a friend told me about CarSafe. Here's everything you need to know about the easiest 5-minute solution.

How much does the average person overpay? Am I overpaying?

If you think you're overpaying, you probably are. With only 5% of drivers paying less than $50 a month for car insurance, tech startup CarSafe quickly entered the market to change that. The problem is most companies aren't taking your personal history and needs into consideration when offering a quote, but CarSafe does.

What steps should I take to get a better rate?

First, cut out the extra steps that aren't actually helping you. CarSafe lets you skip the endless forms and questionnaires online, and connects you with a live representative who can help you find the right plan. Talking on the phone saves you the headache of having to fill out forms and being redirected to different sites. It's important to never give your personal info on long form-fills, because the truth about many of the insurance companies is they can obtain your VIN number with the info you provide them in the form fill and then they turn around and sell your data, rather than finding you a better rate.

If Geico can save you up to 15%, but CarSafe can save you up to 30%, why have I had yet to hear about them?

Because Geico spends $1 billion a year on advertising - that's it. CarSafe helps millions of Americans save more money in less time every day!

What was your experience with CarSafe and why are you so satisfied?

My experience with CarSafe was not only painless, but actually pleasant (as pleasant as shopping for car insurance quotes can be!). It was convenient to hop on a quick call, explain my needs, and have a tangible action plan. The best part: I ended up with a rate I was happy with.

Does this really only take 5 mins and am I going to be harassed when I give my number?

I just entered in my marital status, license number, and zip code, the live representative called immediately. She was sweet and informative and went straight into the quotes - no additional information from me required. Based on my info, I received special rates from Geico, Best, BlueSky, Progressive, and State Farm. And, no, they won't harass you with phone calls!

Were you able to get coverage right away and what kind of coverage did you get?

Yes! You can sign you up for immediate coverage with the insurer you choose over the phone right then and there - I was insured with State Farm at a rate I couldn't find anywhere online. I chose a plan with full comprehensive, full collision, emergency roadside assistance, and the lowest deductible possible for $196/month. My plan included apartment and property coverage up to $20k (even moving), and $300k worth of liability. The whole process took all of 5 minutes.

Anything else I need to know?

CarSafe believes that too many people are paying too much for something that all drivers have to have. Don't be one of them - get insurance that's right for you and let CarSafe help.

Update: You can follow this link, or call 1-855-350-7379 between 9am and 9pm EST to save up 30% on your car insurance within minutes!

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