Getting the cheapest auto insurance is a four part process – 1. getting the best rate, 2. increasing your deductible, 3. getting discounts, 4. eliminating unnecessary coverage. Here’s how to do it.
Getting the Best Rate
In order to get the cheapest auto insurance you have to check out rates from a number of different companies. The quickest and easiest way to do that is to go to an insurance comparison website where you can get multiple quotes from different A-rated companies.
I recommend going to LowerRateQuotes.com where you also talk with an insurance expert online to get answers to any questions you may have, and get advice on how to lower your premium. (See link below.)
Increasing Your Deductible
Increasing your deductible – the amount you pay toward an insurance claim before your insurer will pay – can save you as much as 50% on your insurance premium. It not only saves you money, it also prevents you from making too many claims which can cause your insurer to cancel your policy.
Insurance companies offer all kinds of discounts. Some of these include:
* Safety discounts for having anti-lock brakes and air-bags on your car
* Security discounts for having car alarms and other anti-theft devices
* Good driver discounts for maintaining a safe driving record
* Low mileage discounts for driving less than a certain number of miles
* Location discounts for living and driving in safer areas of the country
* Senior discounts for being 50 years of age or older
* Driver’s ed discounts for taking a driver’s education course
Ask your insurer to include all the discounts that are available to you.
Eliminating Unnecessary Coverage
If you’re an AAA member you can drop towing coverage. If your credit card covers rental car damages you can drop rental car repair coverage. And if you have medical insurance, consider dropping your medical coverage.
Where to Get the Cheapest Auto Insurance Quotes
Visit or click on the following link to get the cheapest auto insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get the cheapest auto insurance.