Tips for Getting Affordable Auto Insurance

January 25th, 2017 by

Car insurance is a requirement but have you ever wondered if you’re getting the best deal you can get? Many of us don’t understand it and get insurance without really thinking about it. However, with a little research, you may be able to save a significant amount of money and still have the coverage you need.

Shop Around
Rates can vary significantly among the different insurance companies. Shop around for the best rates. Don’t assume that the big companies you see on TV will automatically be the cheapest. Just because they promise the lowest rates doesn’t mean they are the right choice for you. And remember to check local companies as well. Make sure you are comparing apples to apples and that the quote you receive is for the same coverage you are receiving elsewhere. If you don’t have the time to research the rates yourself, consider contacting an independent broker that has access to multiple carriers and can help you narrow down the best rate and coverage for you.

Take Advantage of Discounts
There is a host of discounts available to consumers. Choose from bundling your homeowner and car insurance together, multiple cars, clean driving record and good student discounts, and everything in between, take advantage of every discount you qualify for. Discounts vary among companies so make sure to inquire what is available. Some companies even offer discounts for receiving your bill electronically, paying in full instead of installments, and direct debit.

Clean Driving Record
Safe drivers receive the best rates period! Safe driving is imperative, but it can also save you money. Keep a clean driving record, and it will pay off when it comes to your car insurance rates.

Check Insurance Rates Before Buying New Car
The car you purchase affects your insurance rates. Don’t fall prey to the myth that a red two-door sports car is going to have higher rates than the typical family minivan. Check the rates for the vehicles you have narrowed down. Rates vary vehicle to vehicle, and some of the considering factors include the year, make, model and theft rate. Rates will be higher for newer and more expensive cars as they are higher to replace and repair.

The Right Coverage
One of the most important factors is having the right coverage. If you have an older car, it would be wise to weigh the value of the car against the cost of full coverage. You may determine it is not necessary to have full coverage. Raising your deductible is another way to save money. Simply raising your deductible from $500 to $1000 could save you a significant amount of money over time. However, keep in mind, in the event of an accident you will pay more out of pocket.

Follow these steps to find the most affordable car insurance policy that’s just right for you. The car insurance market is ever changing so review your policies periodically. Shopping for insurance for a new car purchase?

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