Tips and Tricks to Finding the Cheapest Car Insurance Quotes

When shopping for car insurance, it is nice to find the lowest premium possible. This way you put more money in your pocket each month. Since you will have to pay for car insurance for as long as you own a vehicle, any savings can add up to hundreds or thousands of dollars over a lifetime!

The most general way to save money on your policy is through the use of free car insurance quotes . If you find as many as you can, you have multiple chances to find the best policy, with the best coverage, at the lowest price. These quotes are free, no obligation, and easy to find. However, there are some other things you can do as well to save even more:

Consider purchasing multiple policies at a single agency. If you have multiple insurance policies, such as renter’s, home, life, medical, or any other types, consider shopping for all of them (or as many as you can) through one insurance agency. Insurance companies often offer up to 10{92645261ac6f7451ba63fa4126a94c819c6bc986afe46127c72ab63f9522a9bc} off such a bulk purchase.

Make sure you are only purchasing what is necessary. There are many different types of coverage and benefits offered by car insurance companies. Although each type is useful in certain situations, not everyone needs every kind of coverage. Depending on your car and lifestyle, you might be able to drop certain types of coverage and save big by doing so.

Increase your deductible. Your deductible is the amount of money you are responsible for paying if you need to submit a claim. By increasing it, you are allowing the insurance company to pay less, and therefore you receive a discount on your premium. This discount can sometimes be up to 30{92645261ac6f7451ba63fa4126a94c819c6bc986afe46127c72ab63f9522a9bc}! Make sure your deductible is not too high that you would be unable to pay it if you are in an accident.

Keep your driving record clean. Safe drivers, and those without a history of claims, save money on car insurance. This is because safe drivers are less of a risk for an insurance company to insure. Some companies even decrease your premium each year you remain accident and claim free. For small insignificant claims, consider just paying out of pocket and leaving the insurance company out of it.

Do not put excess miles onto your vehicle. By following simple statistics and probability, the less you are on the road, the less likely you are to get into an accident. Therefore drivers who keep low mileages each year typically qualify for “low mileage” discounts. Some companies even provide tracking devices to see how many miles you drive each year, as well as other data, which is then used to lower your rate accordingly.

Purchase a safe vehicle. By purchasing a sensible, economy vehicle you can save big on your insurance premium. Certain cars are statistically more likely to be involved in an accident, involved in fatal accidents, are more expensive to repair or replace, or are targeted for theft or vandalism. By avoiding these vehicles, you are less of a risk for your insurance company, and therefore you will save money.