Cheap Car Insurance Tips That You Deserve
The average cost for car insurance in the United States these days is more than $1,000 a year. But you can save on your car insurance by following these car insurance tips ...
Get All the Discounts You Can
Discounts are the best way to save on car insurance because you lower your premium without sacrificing coverage. Common car insurance discounts include:
* Discounts for purchasing your home and auto insurance through the same company.
* Discounts for being a good student discount.
* Discounts for safety features such as automatic seat belts, airbags, and anti-lock brakes.
* Discounts for having taken a defensive driving course.
* Discounts for being accident free for a certain number of years, usually three years.
* Discounts for anti-theft devices such as auto alarms and electronic disabling devices.
* Discounts for being in law enforcement or in the military.
Ask your insurer if there are any other discounts you might be eligible for and be sure to include them in your policy.
Keep Your Coverages Low and Your Deductibles High
Your state has certain minimum liability coverages you need to have in order to drive your car. Your premium will be lowest if you buy just the minimum coverages, but keep in mind that you may not have enough protection in case of an accident.
In addition to liability coverages, you can choose whether to purchase collision and comprehensive coverage. Collision coverage pays for physical damage to your car caused by an accident. Comprehensive coverage pays for physical damage to your car caused by ... well, just about everything else, such as fire, hail, vandalism, storms, etc.
If you buy collision and comprehensive coverage, set your deductibles as high as you can afford. The higher your deductibles, the lower your premium. Raising your deductible from $250 to $1,000 can save you up to 50% on your yearly insurance cost.
Shop Around
Insurance premiums vary widely from one insurance company to another. You need to get quotes from several companies in order to get the best rate. Fortunately, the Internet makes this job easy. You just go to an insurance comparison website and type in your insurance information. You'll then receive quotes from multiple A-rated insurance companies.
On the best insurance comparison websites, you can even talk with insurance professionals and get more tips on saving money on your car insurance (see link below).
Does finding cheap car insurance sound like a joke? What if you are looking for cheap car insurance tips and all you keep finding is "drive safe" or "just shop around". Where are the cheap car insurance rates that the car insurance companies keep talking about?
Let's take a look at some of the questions that you might have about car insurance and some of the answers that you could expect to find.
So you've gotten a ticket, will your rates increase? This is a tough question that is commonly asked. The chances are that your rates will increase, possibly 15% to 20% and they might stay that way for three years after the ticket.
Are you driving an older car and paying for full coverage on it? You could save money by reducing your coverage, but this is only recommended if you have another means of transportation if something happens to this car. Why? You wouldn't want to decrease your coverage one day, have an accident the next day and not have the coverage to replace the vehicle.
There are many ways to decrease the cost of your car insurance, but there are also a lot of overlooked ways to decrease your costs as well. Did you know that there are numerous discounts for different school alumni groups, civic associations and other organizations that you might qualify for? Also, there are more and more discounts being offered for multi-vehicle policies and vehicle safety features, such as side curtain airbags, electronic controlled ignition keys and more.
You won't know if you qualify for a discount unless you ask. Think of all of the different groups or organizations you could belong to, or what features your car might have that could offer you a discounted rate.
The biggest factor to save money with your car insurance and find the cheap car insurance that you deserve is to research and know what minimum coverage your state requires.