Car insurance saving tips
Tip No. 1: Shop Smartly, Tirelessly
Different companies calculate risks differently and charge differently, so some offers you get will naturally be better than others. Therefore, the more car insurance quotes you look at, the better the chance you find the absolutely cheapest rate.
If rates look similar or everything seems too expensive, don't give up! That just means you need to look harder. This website has a list of the best car insurance providers offering free car insurance quotes. Start your search there and don't stop until you're satisfied.
Tip No. 2: Make Good Use of Discounts
There are hundreds, literally HUNDredS, of discounts out there that can save you additional HUNDredS of dollars more than what you already save with car insurance quotes.
Each company will have their own set of discounts, some of which you may get automatically and others you will have to ask about. To make sure you get the most from discounts, ask companies which discounts they offer when you are still in the research phase of your car insurance shopping. If you are investigating car insurance quotes further, factor in the discounts to get closer to your real rate.
The best common discounts are for:
- Low Annual Mileage
- Defensive Driving Course Certificate
- Covered Parking
- Security/Anti-theft Features
Top No. 3: Provide Complete and Accurate Information
When you are doing your car insurance quotes, be 100% certain that the information you put in is accurate and complete. Why? Because it could cost you money!
Many people leave things out or fudge the details when requesting car insurance quotes. The reality is the number you get back will not be accurate if you do these things. Then, you might end up going with an insurer who turns out to be more expensive.
To make sure the information you provide is correct, get a copy of your driving record from your local government agency—usually the police or City Hall—and work only from verified paperwork.
Tip No. 4: Consider Your Credit
Don't neglect your credit score. Develop a plan to improve your credit rating; you'll seem less risky and get more car insurance savings down the line.