How to Get Cheap Car Insurance – 7 Best Auto Insurance Tips

If you’re looking for ways to save on your car or automobile insurance or actually get cheap car insurance there are a few trade secrets you should know. You can save hundreds of dollars every year if you know what to do. Look over these tips and see if you’re taking advantage of them now. If not, put them into action and get several cheap car insurance quotes and compare.

1. Some of the larger insurers offer low mileage discounts of 10 percent or more, if you drive fewer than 7400 miles a year. And some insurance companies will cut your premiums 5-25% if you haven’t been in an accident for five years. So make sure to ask your agent about these discounts.

2. Keep you car insurance and home insurance with one company. Some of the larger companies will offer big discounts if you do. If you aren’t doing this, check with your agent or a new insurer if you’re changing companies.

3. Make sure to let your insurance agent know if you have recently married or moved. They may be able to reduce your insurance premium so you get cheaper car insurance. If your FICO credit score has gone down you can also ask your agent if you can get cheaper insurance.

4. If possible consider raising your deductibles. A deductible is what you pay out of your pocket; the insurer pays the balance of any insurance claim.

5. If you’re looking to buy a new car you may want to check with your insurance agent because some models of the same brand will cost more than others. Some car insurance companies offer a discount for hybrids too. You can almost always get cheap car insurance if you buy a sedan instead of a sports car.

6. Check with the automobile insurance company to see if you can get additional discounts for anti-theft devices installed in your car such as alarms, steering wheel locks, hood locks and ignition kill switches. And also any additional discounts for drivers ed or defensive driving classes.

7. And make sure to compare insurance rates online by getting multiple quotes. There are companies that specialize in getting you free quotes from several companies at one time. They don’t charge you for this, yes it’s free. This is the fastest way to get the cheapest quotes. It takes only a few minutes so you save lots of time getting quotes from many companies individually. The companies they get the quotes from are nationally recognized auto insurance companies.

So if you follow these tips you’ll know how to get cheap car insurance and save yourself a lot of money in the process. It doesn’t take that much time to get informed and you’ll benefit for many months or years down the road.

Tips for Cheap Car Insurance Rates

Virtually anyone who is shopping for auto insurance is interested in finding as many tips for cheap car insurance as possible. Fortunately, there is cheap car insurance out there, you simply need to take the time to find it. It doesn’t take as much time as you think and the savings can be significant. So take a few minutes to read through this article, and you may find a few ways to put some money back in your pocket.

Tips for Cheap Car Insurance Rates: Get Only What You Need

Auto insurance companies will try to sell you on as much coverage as they can. They will seek to increase your liability limits, reduce deductibles and add options to your coverage. While you may want some or all of these upsell options, you should know beforehand what you need and want versus what you don’t need or want. Begin by knowing the minimum requirements for insurance in your state. This will generally be liability coverage with specific limits. Collision and comprehensive coverage may also be necessary if you are still paying on your vehicle. After your requirements are met, then start looking into the cost and practicality of additional coverage.

Tips for Cheap Car Insurance Rates: Research Before Your Car Purchase

This means research the cost to insure a vehicle before you buy the vehicle. If you are like many consumers, you already have an idea of the type of vehicle you want to purchase before you go shopping. You have probably researched the vehicle or vehicles on your list, so why not take a few more minutes and find out how expensive each vehicle is to insure. The vehicle on your policy plays a major role in the overall cost of your auto insurance. If you want cheap car insurance, you need to find a vehicle that is affordable to insure.

Tips for Cheap Car Insurance Rates: Research Discounts

Auto insurance discounts can save you tons of money on your insurance premiums. Each auto insurer will have numerous discounts for which you can qualify. If you take the time to visit the websites of a few of the large, nationwide auto insurers, you will get a feel for the types of discounts available and their qualifications. There are some discounts that you may have never thought about and that you do qualify for. And don’t shy away from the small discounts either; three or four small discounts can really add up to big savings over time.

Tips for Cheap Car Insurance Rates: Shop Around and Get Quotes

Without shopping around you will never know which auto insurance company can offer you the cheapest rates on the coverage you need. Rates vary considerably from company to company, so shopping can save you, in some cases as much as $400 or $500 per year. Online rate quotes are a convenient and free way to compare rates of prospective auto insurers. There is no obligation, the quotes are free, and it takes only 20 to 30 minutes to gather 3 to 5 quotes.

One final tip, never stop looking for ways to save on car insurance. The more you look around, the more tips for cheap car insurance rates you will find.

Cheap Car Insurances – The Untold Truth

Today cars have become a necessity of almost every household as one of the most comfortable means of personal conveyance.  While running on the road, it entails several risks of accidents, thefts and damaged to property due to the person driving it or the other drivers where you may have to incur a heavy amount of your hard earned money as damage. Car insurance is, therefore, an umbrella that gives protection to your funds during such unfortunate events.

There are hundreds of insurance companies floating around in all corners of the country that are providing car insurance.  Some are big players in the field visibly prominent almost in all advertisements while the others are small companies. Every insurer has different plans of insurances with different coverage. In the absence of a prudent approach on your part, car insurance may be quite costly to you.  Cheap car insurances is not a phoenix that is hard to search.  Only you have to put little efforts for search and can save about one fifth or more on the insurance premiums. It is not necessary that once you have taken car insurance from a particular insurance company that you will have to stick with that option.

While searching for cheap car insurances, mostly the insurance companies require you to provide some basic information to arrive at a premium through their automated services online or through telephone. There are several factors that allow quite a good amount of discount on the insurance and you can easily get cheap car insurances.

Age is an important factor in allowing cheap car insurances by way of discount.  Car insurance becomes lower when you turn 25 and again when you reach 55 years of age.  Your driving history is another important element that puts a great impact in determining the premium of your car insurance.  The more tickets you get or the more accident you cause, the farther you are from cheap car insurances.  A five years continuous good and fault free driving record can allow you a handsome saving by way of cheap car insurances.

There are a few categories of car owners that are statistically considered less prone to accidents; consequently, it is easy for them to get cheap car insurances.  In order to get more insurance business, many insurance companies have tied up with certain organizations to offer discounts to their employees or members.  You can inquire from the insurance company to provide the details about it and can avail further discount if you belong to any such organization.

Compilation of lists of cars most likely to be involved in accident or stolen or vandalized is done by The Highway Loss Data Institute every year.  Insurance companies chase this list regularly.  If your car appears in the list of their better-than-average, it will be most beneficial for you to get cheap car insurances.

Car safety features like air bags, seat belts, anti lock brakes etc., you equip your car with, also help you in saving your money in car insurance.

Different companies allow different discounts on different coverage plans. So it is of significant importance that you acquire complete details about the coverage and discounts being allowed by the insurance company you are intending to have insurance from so that you can get cheap car insurance.