Cheap Car Insurance The Best 8 Tips
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by: JosephWelusz
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The following list will help you get the cheapest car insurance possible. You may be able to apply all of these techniques or only a few, but either way using any of them will help you save some money.
1. Get Rate Comparisons: This is one of the simplest ways to get lower cost insurance. Insurance companies offer different prices, so check as many companies as you can for quotes.
2. Don't Make Monthly Payments: Making monthly payments is usually the most expensive way to pay for a policy. Try to pay the policy in full or in two payments if possible to save the most money.
3. Use Electronic Withdrawal: Most insurance companies are now charging to process paper bills to you. You can avoid these fees by having the insurance company electronically withdrawal the funds from your checking or savings account.
4. Purchase Your Policy Early: Some companies offer discounts if you purchase your policy 7 days prior to when it begins.
5. Credit Scoring: Most insurance companies have gone to insurance credit scoring. This takes many more factors into consideration than just your credit score, but your score still makes up a big chunk of it. If you can raise your credit score you will most likely pay less. There are companies that if you refuse to give your social security number they then can't run a credit analysis. Then they will give you a general rate which might be good if you know you have bad credit.
6. Take a Drivers Training Class: You will usually have to pay for the class but it gives you a discount for 3 years. When the discount expires you can retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.
7. Request A Higher Collision Deductible: You will take on more risk by doing this but can easily save one hundred dollars by going from a $500 to $1000 deductible. It's not recommended to increase your comprehensive deductible since it would be a very small savings.
8. Find Out If Other Discounts Are Available: You could be missing out on multiple discounts, if you don't ask. So, ask about, automobile safety devices, multiple policy, multiple automobile, good student or safe driver discounts, just to mention a few.
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Cheap Car Insurance article submitted by Joseph Welusz. Save up to 30% on Car Insurance at QuoteMatcher.com
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