7 Easy Ways To Cut The Cost Of Your Car Insurance

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Here are 7 easy ways to get the best deal possible auto insurance.

Car Inurance, Car, Inusrance, finance, business
* Some quotes

Getting multiple quotes - use the internet and call a few brokers. It is easy to gather some good comparison quote.

Remember to get different types of citations for example one of the insurance companies sell directly; Another broker who made the database offline quote; and some of the internet.

The cheapest may not mean the best. They will pay out if you make a claim? How financially secure? How reputation? Check around with family and friends, and look for online reviews.

* Different types of car

Insurance costs vary depending on the type of car. Obviously, that $ 100k sports model costs more to insure than your average runabout. If you are planning to buy a new car, check insurance costs before you buy. I've set my heart on a beautiful, high-performance, highly tuned Pontiac.

Luckily I checked the auto insurance before I buy it, because I can not get insurance. Every broker, every insurance company flatly refused me because I live in a high car-crime area. So I forgot the car of my dreams until I moved-up city.

* The age and the value of the car

Maybe you buy a used car? Maybe your car look better days a few years ago, and now values ​​much lower? So why pay for expensive car insurance? Specifically, you still need a comprehensive coverage?

A good rule of thumb multiplies insurance premiums by 10, and comparing that figure with the value of your car. So if you are quoted a premium of $ 1000 and your car is worth less than $ 10,000 you may want to think if comprehensive represents good value. If you drop collision and / or comprehensive coverage, you must get huge savings.

* High-deductible (excess load)

Most auto insurance companies use deductibles that policies cost down. Deductible, or excess charges, show what you pay before your auto insurance policy kicks in. Try asking for quotations with different levels of deductibles, and see how your prices vary.

Most internet quote form contains a box where you can specify the level of deductible options. Ask your broker to recommended levels. For example, going from $ 250 $ 500 deductible can cut insurance costs by 20% or more. Going to $ 1,000 and you save a lot of money. But you have to pay the deductible if you need to file a claim!

* Some insurance

I suppose this might come under the heading 'Getting several quotes', but it is still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.

This may mean some vehicles, or homeowner and auto insurance. Either way it is worth asking about multi policy discounts.

* Low Mileage

More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Perhaps you are traveling for work, but the car pool?

However, looking for low mileage discounts.

* Good driving record

Good driving record always reduces the cost of your car insurance. Stay clean driver's license. Do not speed, do not drive dangerous, and you'll save money (apart from other benefits!)

* Bonus Tip

Okay, I said '7 ways ...', but here are a few additional tips. Fit your car's anti-theft devices. Go to the advanced driver training courses. Use daytime running lights. If you are a student from home, consider adding a parent policy.

This brief article covers the things you should consider when shopping for car insurance. Follow these tips and you will cut your car insurance costs.