Everyone who owns a car needs auto insurance. This article will provide you with a few tips on lowering your auto insurance costs. You will come across a checklist of items to ask your insurance agent that might qualify for discounts. Bear in mind that not all discounts can be applied with all insurance companies in all states.
1. Shop Around
Visit your favorite search engine and enter "free car insurance quotes online". You will see a lengthy list of insurance companies that you might even be acquainted with. Visit at least five car insurance web sites and search for a link to free quotes. You will then be asked basic info about yourself, your driving history, and your car's make, model, and year. It simply takes a few minutes, and shortly thereafter, they will e-mail you a no obligation quote. Write down their website address, their toll free number, and customer service e-mail address.
2. Saving Insurance Premium on cars you own outright.
If you own a clear title to your car, which means there's no bank loan on it, then you may want to consider dropping the collision/comprehensive coverage. As a rule of thumb, if the car's value is lower than $3000, it may not make sense for you to pay for this additional coverage. Over time, the cost of the extra insurance premium will surpass the value of the automobile. It is fairly simple math. Check out the fair market value of your car either via Edmunds.com or even your local newspaper.
3. Inquire About Insurance Rates in Different Areas
Rates can differ widely even in the same state. Various locals have different accident rates, population, and crime. These all factor in to the final cost. If you are moving to a different area, ask about what the rates are for that town.
4. Inquire About Getting Other Insurance Policies Together with your Auto Insurance
Combined insurance policies with the same company can frequently provide you with additional discounts. If you own a home, ask about merging your homeowners insurance together with your auto insurance. Also ask about other polices, for example life, health, and business insurance. Many insurance companies cover a wide variety of policies and will give substantial discounts when you do business exclusively with them.
5. A Clean Credit History Can Reduce Car Premiums:
Having good credit can also decrease your insurance costs. Many insurance companies will use credit information to price auto insurance policies. Drivers with good credit and a clean driving record might qualify as a "preferred" customer with reduced risk and will be rewarded with reduced premiums.
6. Low Mileage Discounts
A few companies offer discounts to drivers who drive less than average number of miles each year. If you car pool, take public transportation like the subway, or work from home, you'll probably drive few miles per year than the average driver.
7. Group Insurance
A few insurers provide discounts to drivers who work for particular companies or belong to professional associations, and alumni groups. Ask your employer, group or clubs that you simply belong to if they have any special arrangements with different insurance companies.
Using all of these tips can save you hundreds of dollars per year, especially when you have several cars and multiple drivers in the same household.
1. Shop Around
Visit your favorite search engine and enter "free car insurance quotes online". You will see a lengthy list of insurance companies that you might even be acquainted with. Visit at least five car insurance web sites and search for a link to free quotes. You will then be asked basic info about yourself, your driving history, and your car's make, model, and year. It simply takes a few minutes, and shortly thereafter, they will e-mail you a no obligation quote. Write down their website address, their toll free number, and customer service e-mail address.
2. Saving Insurance Premium on cars you own outright.
If you own a clear title to your car, which means there's no bank loan on it, then you may want to consider dropping the collision/comprehensive coverage. As a rule of thumb, if the car's value is lower than $3000, it may not make sense for you to pay for this additional coverage. Over time, the cost of the extra insurance premium will surpass the value of the automobile. It is fairly simple math. Check out the fair market value of your car either via Edmunds.com or even your local newspaper.
3. Inquire About Insurance Rates in Different Areas
Rates can differ widely even in the same state. Various locals have different accident rates, population, and crime. These all factor in to the final cost. If you are moving to a different area, ask about what the rates are for that town.
4. Inquire About Getting Other Insurance Policies Together with your Auto Insurance
Combined insurance policies with the same company can frequently provide you with additional discounts. If you own a home, ask about merging your homeowners insurance together with your auto insurance. Also ask about other polices, for example life, health, and business insurance. Many insurance companies cover a wide variety of policies and will give substantial discounts when you do business exclusively with them.
5. A Clean Credit History Can Reduce Car Premiums:
Having good credit can also decrease your insurance costs. Many insurance companies will use credit information to price auto insurance policies. Drivers with good credit and a clean driving record might qualify as a "preferred" customer with reduced risk and will be rewarded with reduced premiums.
6. Low Mileage Discounts
A few companies offer discounts to drivers who drive less than average number of miles each year. If you car pool, take public transportation like the subway, or work from home, you'll probably drive few miles per year than the average driver.
7. Group Insurance
A few insurers provide discounts to drivers who work for particular companies or belong to professional associations, and alumni groups. Ask your employer, group or clubs that you simply belong to if they have any special arrangements with different insurance companies.
Using all of these tips can save you hundreds of dollars per year, especially when you have several cars and multiple drivers in the same household.
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