Tips for Getting Cheap Auto Insurance Rates
Getting a quote for auto insurance online is easy… but finding cheap
insurance can be more of a challenge. It takes diligence and knowledge.
Here are a few tips to help you find the cheapest auto insurance
Safety Features Make sure your vehicle is well built and “safety”
feature rich. You should get cheaper premiums for adding anti-theft
devices, car alarms or a good tracking system since these items reduce the
risk of your car being stolen.
Defensive Driving Take a defensive driving class. Certification will
help you in your quest to locate cheap auto insurance and can reduce your
premium for up to three years.
Comparing Rates The automobile industry is fiercely competitive.
Premiums can vary by as much as 300% for the same coverage. Be sure you
are comparing apples to apples on the features you need the most when
searching for cheap auto insurance.
Complete Application If you don’t complete the application in full,
the insurance companies are not going to give you a quote for their
cheapest auto insurance and you won’t find out about any of the discounts
you may be eligible for. You’ll simply get a higher rate quote by default.
Be sure to enter your marital status, how many licensed drivers are in
your home, your car’s safety features, your zip code, the miles you drive,
Increase Your Deductible You can also reduce your rates by selecting
a higher deductible. Generally the higher the deductible, the lower the
premium. Your savings can be as much as hundreds of dollars by increasing
your deductible from $250 to $500.
Cut Back on Your Miles If you travel less than an average of 40
miles a day, you’ll more than likely qualify for a low mileage discount.
If you must travel more, car pool or use the public transportation one or
two days a week to reduce the miles you drive.
Color of Your Car Statistics tell us that red cars are involved in
more accidents than any other color. If you want to find the cheapest auto
insurance, avoid buying a red vehicle.
Who Drives What Car the Most?Compare quotes with the man as the
main driver and the woman as the second driver and vice versa on each of
your vehicles. Always, place your younger drivers (teenagers) on the
safest vehicle you own, such as the family station wagon or the family
car. You’ll never find cheap auto insurance by putting your teenager on a
sporty little two door vehicle.