Every car owner or car lessee knows that there is a huge difference in insurance amounts that are being charged from company to company and sometimes within the same company, but with a different agent.
Therefore it is prudent, before signing anything, to compare auto insurances.
The worst deal is available right at the car dealership.
Dealers who peddle insurances have usually the most expensive rates, which becomes logical, once you find out that the dealer gets a kickback.
The best idea is to compare auto insurance offers before you even buy the car.
When scouting for the right insurance, it is always smart to inquire or get a binding offer before you even go to purchase the car.
It is furthermore a good idea to let the insurance agent know that you inquired elsewhere and that you expect him to beat the previous offer, if he wants your business.
Once you contacted a couple of agents, you can return to the first one and let him know that you've received better offers from the competition.
This bidding hike can go on until you've reached the limit, below which no one will go.
That's your best price.
Then let the agent give you a binding offer, signed and sealed, and then you go and buy the car.
With leasing the deal is pretty much the same, although some dealers and leasing companies insist upon using a certain insurance company, very often affiliated with the leasing company.
You don't have to take that insurance, nor do you have to accept that stipulation.
According to the law, you are free to insure your car wherever you want, the leasing company, although owner of the car, cannot force you to use the insurance they prefer.
Make sure you do your homework, before you sign the policy.