Consumers are countering rising gasoline prices and other vehicle operating costs by capitalizing on lower auto insurance rates, according to Answer Financial Inc., (www.answerfinancial.com) the nation’s leading independent insurance agency. With more than 100,000 in-force policies across all 50 states, the Los Angeles-based company has observed an increase in consumers shopping online for policies and pricing across its own and its competitors’ rate cards.

Financial’s “Top 10 Rate-Saver Checklist” reveals several points often overlooked by individuals and families in shopping for lower cost and better quality auto policies. “In the face of soaring gas prices, consumers may feel powerless, but they can lessen the pain by shopping for better priced insurance, which remains a large expense of vehicle ownership,” says Alan Snyder, CEO and founder of Answer Financial Inc. “Shopping for car insurance slashes costs. Drivers generally are unaware of the myriad factors that determine rates, particularly with auto policies.

Internet and to competition, it’s easier than ever to get more value at a lower cost.” Auto policy costs and regulations vary significantly from state to state, but there are a number of areas that consumers are able to control and adjust to optimize prices and quality, Snyder notes. Answer Financial’s Top 10 Rate-Saver Checklist1. Check Credit Rating In all states except California and Georgia, an individual’s credit rating is a key factor that affects auto insurances rates. Good credit will be interpreted by insurers as less risky.

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