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4 Reasons You Aren't Getting the Best Car Insurance Rates

Karen Menezes Karen Menezes 25 May 2016

Unable to find the best car insurance rates? What could possibly be going wrong? Read ahead to find out how you can get the best car insurance rates without any hassles.

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How often do you purchase a product and then crib about having made the wrong choice, because you didn’t ‘comparatively’ get it at a better price?

And, if it was something that could impact you financially in the long run, then you might even have to go through tough times trying to get rid of it.

Don’t let the same happen to you when it comes to car insurance!

Here we present the most common and silliest of blunders that prevent you from getting the best car insurance rates (which functionally goes into price and coverage).

You Don't Wish to Accept Change

(Or simply put: You don’t want to move on to another insurer)

Your insurance company may be the best according to you. But if you don’t look out for better options, you could be inviting trouble. Why would you want to invest in a plan – which isn’t suitable for you – and undergo a financial loss later?

Just like my friend Hari, who recently told me how unhappy he was with the insurance deal that was forced upon by his car dealer. When I asked him why he didn’t want to switch to another insurer, here is what he replied:

“I agree with you! But, you see I am a little superstitious. Ever since I took this particular car insurance plan with XYZ insurer, my car has never met with an accident. It has proved to be quite lucky for me. So, I don’t mind continuing to pay high premium.”

I couldn’t help but burst out laughing. And then gave him a piece of my mind.

How to fix this?

Change is the only inevitable thing on this planet. Your insurer is supposed to be your sidekick or trustworthy friend, who needs to be there for you at the time of claims. If they aren’t offering you a good deal or supportive customer service, why should you be afraid to switch?

Staying updated on the current happenings in the insurance market is always essential if you want to get best car insurance rates. You never know, you may just bag a deal with another insurer who is willing to offer a similar policy with better coverage at a great price.

Also Read: How To Get Your Car Insurance Claims Approved?

You Haven't Asked for Discounts

When you go street-shopping or head to the market to buy groceries, you bargain, right? You negotiate for a discount. We all do!

So returning to my friend Hari, here’s what he had to say:

Me: Did you at least ask for discounts?

Hari: What discounts? What are you talking about?

Me: I hope you do know that insurance companies offer multiple discounts, apart from No Claim Bonus. It helps you get a better deal and prevents burning a hole in your pocket.

Hari: Are you crazy? They are an insurance company for heaven’s sake, not a vegetable vendor to ask discounts from? It’s so embarrassing!

Me: Shaking my head in disbelief I see another reason why you failed to get the [best car insurance rates]. Hold on! Let me explain!

How to fix this?

If you don't ask, you will never know!

When you are investing your hard-earned money on car insurance, you will realize that there are plenty of opportunities to reduce the cost without compromising on the value of the plan.

All insurance companies offer No Claim Bonus discount that helps you get lower premiums. Apart from that, some insurers also consider age and occupation while offering discount on the OD (Own Damage) part of your coverage. These discounts are also applicable based on the model of the vehicle.

Also Read: 10 Simple Steps to Reduce Car Insurance Premium

Your Policy Has Lapsed

It’s been quite some time since your car insurance policy lapsed. But, there are still no signs of renewal happening anytime soon. Why?

“Just because I am feeling too lazy”


“Oh, I will renew it later.”


“I can drive on like this for some time.”

And loads of other pointless excuses to dilly-dally your responsibility.

Then you suddenly wake up from your slumber, when you hear that your friend was caught and heavily penalized by the traffic policeman for driving an uninsured car.

In a frenzy, you pick up the first insurance plan you could lay your hands on or the one your agent could hard-sell to you. Or worse, you just bought a plan that your neighbour recommended.

Ideally, this should not be your story!

How to fix this?

Keep a track of your policy expiry date. You can set a reminder in your cell phone. Few days before the policy is due to lapse, contact your insurer about its renewal. It’s true that you have the grace period of 90 days as your savior. But, you shouldn’t wait for it.

Your insurance company may charge you higher premium or (in some cases) even reject your proposal if at all your policy has lapsed.

Ensuring that you get your policy renewed before it lapses is the smartest way to get the best car insurance rates.

You Haven't Made an Informed Choice with the Right Research

Don’t blindly follow the crowd. You don’t have to opt a particular insurer just because your relatives or colleagues have been using one for years.

Tons of people are going to offer tons of advice. But, do you know who the smartest person is? It’s YOU!

Yet, you may have failed to realize your potential and wouldn’t have researched well enough to make an informed choice.

How to fix this?

Research is the key, folks, Research! Information is easily accessible in today’s times. Spare a few moments to compare the best car insurance rates. Technology has proved to be such a blessing for mankind. So much so that in this digital era, you can shop for an insurance policy at the click of a mouse.


If you check out an effective and user-friendly insurance broking portal like Coverfox.com, you would come across a wide number of quotes from a range of insurers. After getting unbiased advice, you get to choose a comprehensive insurance plan at your own discretion. (Yup! No pushy salesmen here).

Trust me when I say this – getting hold of the best car insurance rates is easy, only if you want it to be!

Make the right decisions and drive gleefully knowing that you managed to get the best car insurance rates. :)

Karen Menezes
Written by Karen Menezes
An optimist at heart, Karen loves to see the world through a pair of rose-tinted glasses. An award-winning blogger, she loves to dream with her eyes open. Writing is not her passion, it’s an OCD! If at all she isn’t writing, you can find her shopping online or experimenting with DIY recipes. This lass currently works as a Content Writer at Coverfox.