How To Get Cheap Car Insurance: Top 7 Car Insurance Tips

If you’re looking for ways to save on your car or car insurance or if you’re looking for cheap car insurance, there are a few trade secrets you need to know. You can save hundreds of dollars each year if you know what to do. Check out these tips and see if you’re taking advantage of them now. If not, put them into action and get several cheap car insurance quotes and compare.

1. Some of the larger insurers offer reduced mileage discounts of 10 percent or more if you drive less than 7,400 miles a year. And some insurance companies will lower your premiums by 5% to 25% if you haven’t had an accident in five years. So be sure to ask your agent about these discounts.

2. Keep your auto insurance and home insurance with one company. Some of the larger companies will offer deep discounts if you do. If you’re not doing this, check with your agent or a new insurer if you’re switching companies.

3. Be sure to tell your insurance agent if you have recently married or moved. They may be able to lower your insurance premium so you can get cheaper auto insurance. If your FICO credit score has dropped, you can also ask your agent if you can get cheaper insurance.

4. If possible, consider raising your deductibles. A deductible is what you pay out of pocket; the insurer pays the balance of any insurance claim.

5. If you are looking to buy a new car, you may want to check with your insurance agent because some models of the same make will cost more than others. Some auto insurance companies also offer a discount for hybrids. You can almost always get cheap car insurance if you buy a sedan instead of a sports car.

6. Check with your car insurance company to see if you can get additional discounts for anti-theft devices installed in your car, such as alarms, steering wheel locks, hood locks, and ignition switches. And also any additional discounts for drivers and defensive driving classes.

7. And be sure to compare insurance rates online by getting multiple quotes. There are companies that specialize in getting free quotes from multiple companies at the same time. They do not charge you for this, it is free. This is the fastest way to get the cheapest quotes. It only takes a few minutes, so you save a lot of time by getting quotes from many companies individually. The companies they get the quotes from are nationally recognized auto insurance companies.

So if you follow these tips you will know how to get cheap car insurance and save yourself a lot of money in the process. It doesn’t take long to learn and you will benefit for many months or years to come.