Cut Up Your Credit Cards Before Shopping For Free Car Insurance Quotes

"With spring right around the corner (for those of you living in northern states that still saw snow last weekend) affordable insurance for those weekend cruises is a necessity. Affordable insurance for that cross-country vacation you're planning on taking this summer?

Even more so. And you want to make sure you've got as much insurance coverage as you can get for the lowest prices you can find. Before you start scouting around (and taking advantage of those free car insurance quotes out there) take the time to craftily apply some scissors to your credit cards.

Wait. Cut up your credit cards? Before you go shopping for free car insurance quotes? Seriously?

Well, yeah. I don't know if you're a fan of Brad Paisley, but if you get a chance you should check out the lyrics to his song ""The World"".

It's basically about the way that we as a society are transformed into meaningless numbers that suck our soul, our personality and our individuality when we're out in public. Or not. The bottom line is, in the eyes of most of today's businesses we're nothing more than a 3 digit number, and that 3 digit number comes in the form of your credit score.

What is a credit score? When it was first created, the credit score was a good idea. It was supposed to be an easy to read, easy to understand numerical indicator of how good you were at paying your bills on time. Companies used it to determine if you were a good risk for a loan or if they were going to be flushing their money down the drain!

Nowadays, however, credit scores fluctuate wildly based on the smallest variables, and they're often used as a measurement of personal reliability rather than fiscal good sense. In terms of shopping for free car insurance quotes, that means that insurers are going to use your credit score to determine whether you're a high risk driver and whether or not they can trust you not to go flying into a cement median (or the back of another car) when you get behind the wheel!

Anyone's credit score can take a hit for the simplest reasons. For example, I heard the other day of a couple who had moved, and a bill for a credit card they thought they had paid off got lost in the confusion of changing addresses. When the couple checked their credit scores they were astonished to discover that one single unpaid bill that was sixty days behind had sent their credit scores plummeting over 100 points apiece!

While everyone understands that these things happen, keeping your credit score healthy is a good way to save money when the time comes to go shopping for free car insurance quotes. So stay on top of your bills, cut up all but one of your credit cards and make sure you file a change of address well before you move. A high credit score might not mean much to you personally, but to creditors and lenders out there that three digit number really is 'the world'."

Guidelines on How to Undertake a Car Insurance Comparison

"Many people have always thought that acquiring cheap car insurance coverage will be a near impossible undertaking. When one sees the complexity and detail involved in an insurance application and processing they automatically become intimidated by the process and give up. We all know that in order to get the best insurance rate we have to look at as many quotes and policies as we can possibly get and compare them to see which one offers the best coverage at the best rate.

When it comes to insurance rates, if you are in the market looking for the cheapest rate there is only one way to go about it, which is by comparison. You will have to put all the rates that you can find side by side. This analysis can be done by you, an agent or a 3rd party intermediary service can do it for you online or offline.

If you decide to undertake this comparison by yourself then you will have to perform the process in a specific way that is tried and tested and is known to bear results. You will also have to measure your results against how much effort, time and money you are spending to achieve what you are getting. Before undertaking the process you will have to set attainable goals and targets that you will want to achieve and what outcomes you want from the research undertaken. Your goals should also be as realistic as possible. Set a goal for time as you don't want this to stretch out too long."