Cars Automotive

How do you get the cheapest auto insurance quote? Here is a set of 25 tips to help any car owner get some of the cheapest auto insurance quotes available on the market:

1. Raise your deductible (to the amount that you are comfortable with), and you will automatically reduce the cost of the quoted premiums.
2. Make your car safer (install a car alarm, immobilizer, anti-lock brakes, tracking device, or any other valuable security features).
3. If you have an older and cheaper car (e.g., worth less than $1,000), consider dropping its comprehensive and collision coverage.
4. If your car has air bags and/or automatic seatbelts, look for special discounts for such cars.
5. Check for various discounts from sites such as www.cheapautoinsuranceprice.com, as well as discounts for having a good driving record, senior citizens discounts, and any other discounts you may qualify for.
6. Consider obtaining a defensive driving training certificate.
7. Lower your mileage (the less risk you face on the road, the lower your premiums will be).
8. Good students with good grades are often eligible for additional discounts.
9. If you have any young drivers (under 25) on your auto insurance policy, you may want to remove them from your policy.
10. If you are looking into purchasing a new car, opt for a lower-profile car (cheaper and smaller cars with a lower engine capacity, cheaper to repair cars, and the vehicles that are known to be stolen less often). Also check whether your potential new car has any factory-fitted security devices.
11. Do not modify or customize your car.
12. Park your vehicle in a secure parking location (locked garage, secure public car parks, etc.).
13. Look into group discounts (unions, organizations, employees of a company, etc.).
14. Get an array of quotes and thoroughly compare them.
15. Try to avoid accidents (especially “fender-benders”) to keep your rates low.
16. Look into placing all of your insurance policies (home, pet, travel, motorcycle, etc.) under the same insurance company.
17. Use the Internet to get an online customer discount.
18. Notify your insurer if you have more than one car in your household, as this can get you additional discounts.
19. If you have two homes in different states – compare the rates that are quoted for each state.
20. Avoid getting any moving violations (speeding, etc.), as they will increase your rates.
21. Avoid having your insurance canceled by an insurance company, as it will also increase your rates with the next insurer.
22. Choose to pay an annual payment rather than paying in monthly installments. There are discounts available for paying in a lump sum, and you will also avoid being charged each time you pay monthly.
23. If you are a homeowner, notify your insurance agent about it. Homeowners may get discounts from some insurance companies, even if their home is not insured by that company.
24. Reduce the amount of coverage that you have (if you think it might be set too high), which will automatically get you the cheapest auto insurance quote.
25. Keep your credit clean, since many insurers check your credit to calculate your rates. If your credit is in a bad shape, it may be a good idea to look for companies that sell no credit check car insurance.

This entry was posted on Monday, April 26th, 2010 at 2:47 pm and is filed under Car Insurance, Cars.