You Can Get Cheap Car Insurance Quotes That Don't Skimp On Coverage!

If you've ever wondered how you can get cheaper auto insurance, look no further

Costs with Rising Arrow Written on Chalkboard / Want to Get the Least Expensive Car Insurance Possible? We've Got Tips for That
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November 9, 2017

We all have to have it, but few of us really understand the ins and outs of car insurance. Whether you are getting auto insurance quotes online or making changes to an existing auto insurance policy, you can lower your insurance costs and still get good coverage!

  1. Auto insurance quotes are free, so get more than one.
  2. Prices vary from one auto insurance company to another, so it pays to shop around for more than one quote. One company can quote you more than double what another quotes. Comparison shop using the same coverage terms to find the best auto insurance for the money.

  3. Consider local and regional auto insurance companies, not just the big ones.
  4. Four auto insurance companies account for almost half of the country's auto insurance business: Allstate, Geico, Progressive, and State Farm. Regional insurers, like Erie Insurance and Auto Owners Insurance, often get higher customer satisfaction ratings than the bigger companies and might offer lower rates.

  5. Looking for a new car? Get auto insurance quotes before you buy and before adding it to your current policy.
  6. Your car can significantly affect your auto insurance rate. A car that is a model year older will typically cost less to insure. But auto insurance rates for particular vehicles can vary widely from one company to the next. Some companies might not look favorably on sports cars while other companies might not worry about them as much.

  7. Choose a higher auto insurance deductible to lower your premium.
  8. If you want to accept a little more risk, you can save money on your auto insurance by raising your deductible. If you only expect to file a periodic windshield claim and you know your current deductible is more than the cost to replace, you can raise your deductible without incurring additional cost if you ever need to make a claim.

    The average policyholder makes a claim only one time in every 11 years and reports a total loss only once in every 50 years.

  9. Drop collision coverage on older cars.
  10. If you have collision coverage on an older car, you might end up paying more in insurance costs than the car is worth. If your collision premium multiplied by 10 is more than what your car is worth, you should consider whether you really need it.

  11. A higher credit score can mean a lower auto insurance quote.
  12. More and more insurers are taking credit scores into account when they calculate rates. If you have bad credit, your auto insurance quote can end up being 50 percent more than if you had good credit. Getting multiple auto insurance quotes if your credit is spotty can really save you money.

  13. Ask about low mileage discounts if you don't drive much.
  14. If your yearly mileage is lower than average, your auto insurance company might be able to give you a discount. Got a short commute? Carpool often? Whatever your situation, having low mileage can get you a lower rate with some companies, so be sure to ask about it.

  15. Ask about group auto insurance discounts.
  16. Insurance companies often give premium discounts for being members of certain organizations or professions. Your company should be able to give you a list.

  17. Ask about all other available auto insurance discounts.
  18. Some auto insurers discount rates for vehicles with certain safety features, like anti-theft devices or motorized seatbelts. Others provide discounted rates to senior citizens and to students whose grades fulfill certain requirements. Be careful, though, since some of the companies offering the biggest auto insurance discounts also have the highest rates.

  19. Don't let your auto insurance coverage lapse.
  20. Even short lapses in auto insurance coverage can disqualify you for discounts. So make sure to pay on time. If you switch auto insurance companies, don't cancel the old coverage until your new coverage takes effect.

  21. Don't pay installments.
  22. Most auto insurance companies charge an administration fee if you pay in installments. This amount can vary but will add up with the more installments you have.

  23. Bundle your auto insurance policy with your other insurance policies.
  24. Insurance companies will usually give you a discount if you buy two or more types of insurance from them. They might also give you a break for insuring more than one vehicle.

  25. Use your garage to get a lower auto insurance rate.
  26. Parking either off-street or in a private garage can help. Your vehicle is less likely to be damaged if you park it off the street and there is even less chance of damage if you park in your garage.

  27. Make sure your auto insurance policy has no unnecessary extras.
  28. Some auto insurers offer benefits and plans meant to help drivers, such as new car replacement. Many of those packages get added to your policy automatically and sometimes aren't worth the extra money.

  29. Going green can save some green on your auto insurance.
  30. Many auto insurance companies are offering lower premiums to policyholders who buy a "green" or environmentally-friendly vehicle.

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