Here are 7 easy ways to get the best discount auto insurance.
* Multiple Quotes
Get multiple quotes - use the Internet and call some brokers. It's easy to pick up some good comparison quotes.
Remember to get different types of appointments for example, one of a direct sales company insurance broker and one from a connection that maintains a database of quotations, and a couple of Internet.
Cheaper does not mean better. Will they pay if you make a claim? How financial security? How reputable? Check around with family and friends, and seek reviews online.
* Type of car
Insurance costs vary depending on the type of car. Obviously, that $ 100k sports model costs more to insure that your average runabout. If you are thinking of buying a new car, check insurance costs before buying. Once put my heart in a wonderful performance, high, very tuned Pontiac.
Fortunately, I checked the auto insurance before I bought it because I could not get insurance. Each runner, every insurance company flat turned me down because I lived in a car high crime area. So I had to forget the car of my dreams until I moved to town.
* The age and the value of a car
Maybe you're buying a used car? Maybe his car saw better days a few years ago, and now values much lower? So why pay for auto insurance high price? In particular, do you still need fully comprehensive coverage?
A good rule of thumb is multiply by 10 the insurance premium, and compares this figure with the value of your car. So if you're quoted $ 1000 premium and your car is worth less than $ 10,000 that you may want to think if comprehensive represents good value. If you drop collision and / or comprehensive coverage, you should get big savings.
* Higher deductibles (excess charges)
Most auto insurance companies use deductibles to keep costs down policy. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in Try to make an appointment with different levels of deductibles, and see how their contributions vary.
Most internet quote forms contain a box where you specify the preferred level of deductibles. Ask your agent to its recommended level. For example, going from $ 250 to $ 500 deductible can reduce your insurance costs by 20% or more. Go to $ 1000 and you save a lot of money. But you must pay the deductible if you need to make a claim!
* Multiple Insurances
I guess this could come under the 'Get Multiple Quotes' heading, but still worth mentioning separately. Usually get a break if you purchase multiple insurance policies with the same insurer.
This could mean that vehicles, or homeowner and auto insurance. Anyway, it's worth asking about various discount policy.
* Low Mileage
More and more people working at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe they will not work, but car pool?
Either way, look for low mileage discounts.
* Good driving record
Good driving record always reduces your auto insurance costs. Keep a clean drivers license. Do not run, do not drive dangerously, and you'll save money (apart from other benefits!)
* Bonus Tip
Well, I said '7 Ways ...', but here are some additional tips. Fit anti-theft devices in your car. Follow an advanced course in driver training. Use daytime running lights. If you are a college student away from home, consider adding to parents policy.
This brief article covers things you should consider when shopping for auto insurance. Follow these tips and you can cut their auto insurance costs.
