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Top 10 Ways To Get Cheap Car Insurance Rates - Part 1 By: Jim Johnson |
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Car insurance is a very necessary, but also expensive part of owning and driving an automobile. There is no telling when you might find yourself in an auto accident, so you have to be prepared with reliable auto insurance coverage. But there is no reason that the coverage you get has to be any more costly than absolutely necessary. Here are ten ways that you get cheap car insurance rates and still maintain great coverage at the same time: 1. It really goes without saying that the better driving record you have, the cheaper your car insurance rates will be. But some folks just don't seem to get that. Constantly speeding and driving recklessly will not only put you at a much higher risk of hurting yourself and others in an auto accident, but it also will eventually lead to your paying a much higher car insurance rate as the traffic citations mount. So slow down and drive carefully to save money. 2. Shop around thoroughly to get cheap car insurance rates. There is absolutely no reason that the average person cannot get several auto insurance quotes quickly and easily today because of the internet. You really don't even have to pick up the phone and make any calls to do it these days. Just log on and search for car insurance quotes in your favorite search engine, and go down the list provided getting as many quotes as you can. Just be sure to choose from the best and highest rated insurance companies, and avoid newcomers that haven't been around long enough to establish much of a record yet. 3. Shop for insurance before you buy your car. Unfortunately many have not done this and suddenly find out that the car they just bought that they can barely afford will now cost them even more because it raises their car insurance rates significantly. Remember that auto insurers base their rate calculations on many things and some of them have nothing to do with you and your driving record. For instance, they consider the sticker price of the vehicle, how costly it is to repair, how prone to theft it is, and so forth. So before you buy, make sure you know how any car purchase that you make will affect your car insurance rates and avoid those vehicles with rates that are out of your price range. 4. Raise your deductible. The deductible of a policy is the amount that you agree to pay out of pocket for each claim that is made. The more that you agree to pay, the less risk that poses for the insurance company and therefore the lower rates you can enjoy. However, just make sure that you don't exceed the amount that you actually can pay in the case of a claim. 5. If your car is older you may consider eliminating collision coverage that pays to repair your vehicle if it is in an accident. If the car's value is very low, you will most likely be paying for more insurance than you really need, and eliminating this part of your coverage could result in serious savings on your car insurance bill. Of course, in this case if the car is ruined in an accident you will most likely have to buy another one. Just check out the worth of your car at kbb.com and decide for yourself whether this makes sense for you or not. Be sure to read through Part 2 of this article to find out what the next 5 tips for getting cheap car insurance rates is. Top 10 Ways To Get Cheap Car Insurance Rates - Part 2 Saving money on car insurance is something that almost anyone can do easily, and in Part 1 of this article we discussed five ways to be able to get cheap car insurance rates. These included safe driving, shopping for car insurance before you buy your car, shopping online to get the cheapest car insurance rates, raising your deductible, and considering whether or not to carry collision coverage for your vehicle if it is older. Here are the last five ways to get cheap car insurance rates: 6. Believe it or not, your car insurance rates can be affected by your credit rating, so keep it as high as you can. Increasingly auto insurers are using a person's credit score to factor into the overall amount that they quote you for car insurance, so keep any errors that come up off your credit record, and pay your bills on time to not only improve your credit standing but also give you low cost car insurance rates. 7. If you happen to drive your car less than the average person check with your car insurance provider to see if they offer low mileage discounts, as you will find that many do. 8. Buy your homeowners and car insurance from the same insurance company. Many insurers will give you a good break on insurance if you buy more than one type of coverage from them. Typically, homeowners and auto insurance makes a good fit for both you and them, so ask them about getting both policies at once from them and see what the savings would be. Sometimes it can be substantial. 9. See if you can get group auto insurance. Many times you can get much cheaper car insurance rates by getting it as a group through your employer or through a large association that you may be part of. It never hurts to ask any possible group that you are affiliated with if such coverage is being offered. 10. Check into all the discounts that each provider offers. For instance, some offer discounts for non-smokers, for those that install anti-theft devices, for older drivers, and so forth. Just ask as many questions as you can of the companies that you are considering to do business with, and see what they have to offer in the way of discounts. You will never know if you don't ask. Saving money is something that we all like to do and you can actually save quite a bit of money with car insurance if you are well-informed and do your homework. So follow the suggestions given in this article and most likely you can be one of those consumers who have the cheapest car insurance rates too. |
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About the Author: Jim Johnson writes on many consumer related topics, including televisions. You can find more information on direct tv, dish tv, dlp tv, dvr, high definition tv, lcd tv, plasma tv, projection tv, satellite tv and more at Television Deals Online |
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