If you want to get inexpensive car insurance, you have many ways of lowering your premium
If you want to save on car insurance you can do yourself a big favor by talking to as many auto insurance companies as possible. The more options you have for yourself, the better chance you have of one of those options giving you a good price. Year long premiums can vary by as much as $1,000.
If you are still in search of a car to buy, be it new or used, find out what premiums it will have after you purchase it. Your premiums will be lower if the car you purchase isn’t too expensive, has a good amount of safety features, and has decent crash test score.
If you’re really feeling the pressure from your car insurance premium, you can breath a little easier if you increase the deductible you have. The deductible is the amount of cash you pay yourself before the insurance company pays for the remaining damage to your car. Just make sure that you don’t increase your deductible by too much.
Consider buying a longer policy. Rather than opting for the 6 month term, try to get the policy that is one year long. When buying the longer car insurance, you are essentially buying wholesale.
Try to eliminate insurance that you don’t need. If you’re driving around in a beat up old car, for example, you probably don’t need the collision and/or comprehensive insurance.
Rather than relying on online sources for quotes, its always a good option to speak to the insurance company and to tell them as much about yourself so that they can give you any discounts you are eligible for.
A lot of companies will give you a discount if your buy both homeowners/renters insurance and car insurance from them. Regardless, you should still shop around as these sole discounts may not be that great.
Drive slow and safe. Your auto insurance premium will go up with every accident and/or traffic violation that you get.
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