Get cheap car insurance
If you own your own car, you probably already know a little about car insurance but do you want to get cheap car insurance? Of course you do, everybody does. In the following article you will find just that: how to get cheap car insurance. There are many ways of getting cheap insurance, the advices I’m giving you will help you to obtain quality car insurance that goes easy on your wallet.
Why not get theft devices?
If you own or want to buy a new car you probably have a theft device. Newer days they make them automatic or some have to be started by a button and simple devices like that can help you get cheap car insurance, as insurance companies love them.
Do you have more than one car? Why don’t you ask for multiple car discounts?
Depends on which company you choose because is known that some of them give such great discounts that if you need two insurances for your two cars, you would probably pay only one. A simple action like this can be crucial for you to get cheap car insurance. Also if you want to sell one of your cars the trick is to keep that second car on just liability to get your multiple car discounts. You will be surprised when you will call the insurance company the erase the second insurance policy (thinking your insurance will get cheaper) just to find out that it’s actually more expensive.
Is it cheaper to buy a yearly policy?
Yes, indeed! By sticking with yearly policies instead of a six month policy you will get a rate that cannot be changed for one year.
Are you planning to store your car?
You can save money on your car insurance by only keeping the comprehensive coverage for the period of time you’re willing to store the car. The car will be stored so it’s very unlikely to get in an accident and you can easily give up at the liability coverage.
How many miles do you drive to work one way?
Re-check your mileage. Mileage is an important thing for an insurance company; this may be the first question an insurance agent asks you. Take a close eye on the mileage because this may designate you in a particular class. Each class can have significant differences in prices and can determine if you can get cheap car insurance or not.
You may benefit from a group discount
Almost all companies offer discount on car insurance for being in a certain organization (credit unions, sororities or just having a certain credit card). Call your service center and ask them for a list of organization affiliations.
Do you have a hard time paying for your premium?
It’s not recommended for general savings but you can lower your basic coverage. Comprehensive and collision are probably the first to look at lowering by increasing your deductibles on your car insurance. Lowering your liability and medical payments could help.
Why not take defensive driver courses?
Many companies give considerable discounts on car insurance for attending this kind of classes. You can check with the state insurance commissioner, insurance company or on-line quote to see if you could qualify.
Do you have house insurance?
If you do have house insurance you could make your car insurance at the same company because they may give you a discount sometime between 5% and 20%.
Is your credit in good shape?
A lot of insurance companies check your credit and base your policy on what is found. Watch your credit ranks or just seek out companies who do not do credit checks.
Are you in a high risk category?
You may know because you’re turned down or cannot afford the ridiculous high premiums. If you are a high risk client you may try to contact your state insurance commissioner. Every state has insurance for high risk individuals who might not be able to obtain car insurance elsewhere.
All of this might help you to find the more suitable car insurance for you and don’t forget to check with your local insurance brokers. They are able to get cheap car insurance by finding insurance companies that match your strength.
