Get the Cheapest Car Insurance Using These Simple Ideas

It is the requirement of the law that you have car insured by some type of car insurance policy. There is a variety of premium rates offered by many car insurance providers that are also influenced by specific factors depending on the type of insurance policy of your choice. Although it is a must for drivers who own cars to have car insurance, know that it is possible for you to get one at the cheapest rate. Keep reading to find out some ideas that you can use to get the cheapest car insurance.

Evaluate rates offered by contacting a number of different car insurance providers over the phone or by using the Internet. The phone book can be used to find for local insurance agencies and the rates that they offer. Price comparison should be done accurately by selecting insurance with similar coverage and policy details. Online web sites can be used to do car insurance comparison by filling up your information to get quotes within a day, so you can pick the cheapest one that works for you in no time.

Make modifications to your vehicle and policy to get the cheapest rate. You can do this by adding theft devices to ensure your vehicle’s safety, and reducing the annual mileage. Owning several type of insurance such as home insurance or life insurance that is offered by the same company will get you entitled for discounted rates that can help you get the cheapest car insurance too.

Get lower amounts of coverage or higher deductibles. If certain coverage is not necessary, you can modify your policy by lowering or removing some parts of it which include tow services, rental or collision, comprehensive storage coverage, and no-fault coverage. Get a consultation with your insurance agent to find out more options on how to get the best cheapest offer for you car insurance.

Enquire about the multiple car discounts as sometimes the cost for insuring two cars can actually be the same for the insurance for one car. Find out with the insurance company about the details regarding multiple insurances for more than one vehicle. The same thing can be done online, as you can always ask for discounts if you are going to insure more than one car, while you get your insurance quotes. Even if there are plans to sell the second car, you can always maintain the car as liability so you can benefit from the multiple car discount rates.

Step by Step Guide to Finding the Cheapest Car Insurance Right Now

If you want step by step instructions on how to find the cheapest car insurance, follow these steps below.

An important note that I would like to point out first is that when you are trying anything, it is always crucial to follow through with the best instructions that you can find.

Let’s begin. The only tools that you are going to need to find very cheap auto insurance will be:

  • A notebook
  • A phone
  • A computer

Step 1 – Know The Car That You Will Be Insuring

Even if you are not a car type of person, it is important that you can accurately describe your car. Write down all relevant details of your car before going any further. These details will be:

  • Make and model of your car
  • The year your car was made
  • Any extras that add value to your car

Step 2 – Looking Locally

Grab a phone book and flip to the car insurance section. This is going to take some time, but I want you to call every car insurer in your city and ask for a quote for your vehicle. Write down the name of the company and the quote they give you. This is important because you need to get these rates for local companies that you can’t find on the Internet.

Step 3 – Looking Online

Go to your favorite web search engine and look for car insurance rates. You will likely find a website quickly that lists the top car insurance rates just by entering your information.

Step 4 – Comparison

Take all the rates that you just wrote down and compare them. Circle the three lowest quotes and call these companies back to see how they compare.

There you go, you just read the most thorough process for finding the cheapest car insurance. Sure, it is a long process, but nobody said it would be quick.

8 Ways to Obtain the Cheapest Car Insurance

1. Compare Auto Insurance Companies and Coverage
One way to save on auto insurance is to compare several agencies to see what they offer. Compare the types of coverage, the actual benefits of the coverage (should you ever need to make a claim), and the pricing for each policy. Insurance policies can vary greatly in price, so shopping around will help you find a policy that fits your budget and needs. If you’re classified as a safe driver, you can use this to your advantage as you compare car insurance offers. Hint: The cheapest car insurance is not always best, so check out the company and its history thoroughly before agreeing to a policy.

2. Opt for a Higher Deductible
Most car insurance agencies will offer lower premiums if you opt for a higher deductible. The deductible is a set amount you agree to pay before making an insurance claim. This could be $250, $500, or even $750 or higher. If you agree to the higher deductible, your premium will likely be as much as 15 to 30 percent less.

3. Cancel Collision Coverage on Older Vehicles
If you have an older vehicle, insurance can cost more than the car is worth. You are not required by law to keep collision on an older vehicle as long as you don’t owe a debt on the car through a lending institution.

4. Avoid Buying Sports Cars
If you’re in the market for a new or used vehicle, buy a low profile car – not a sports car. Sports cars can cost substantially more when it comes to auto insurance and they are also very expensive to repair. Sports cars are often targeted by thieves as well. Obtain an estimate of the insurance costs before making a purchase to be on the safe side.

5. Low Mileage Premium Discounts
If you drive under a certain number of miles per year, your insurance company may offer a premium discount for low mileage. For instance, if you drive 8,000 miles or less per year, you might be able to pay less on insurance. Ask the company about this option to see if you qualify. If you don’t currently meet the low mileage requirements, consider car pooling to work if possible.

6. Other Auto Insurance Discounts
You can obtain discounts for being a safe driver (with a clear driving record), if you’ve completed a driving course, or for being a non-smoker. Some companies will give discounts if you insure both your home and vehicle with the same agency. You can also benefit from discounts if your vehicle features certain safety items such as automatic seat belts, certain types of airbags, etc. If your teenager starts driving, have them share a family car instead of buying one of their own. Also, let the agency know if your teen makes honor roll or takes a defensive driving course in school.

7. Avoid Extra Expenses
You can find the cheapest car insurance by avoiding extra expenses such as towing, car rentals, or extra medical coverage (if you already have coverage through a health insurance policy). If buying a new car, read the full factory warranty to see what’s included. Then you can possibly drop these items from your car insurance policy and reduce your premium.

8. Keep Inexpensive Auto Insurance
The best way to keep your auto insurance at a low cost is to maintain a good driving record. Avoid speeding or traffic violations. These can cause your insurance premiums to increase a great deal. Also, try to maintain good credit. Many insurers today are considering a person’s credit rating when determining auto insurance rates. Remember to pay your premium bills on time. Being late on a bill payment can cause your policy to be reinstated to former higher pricing even if you’ve been using the same company for a long while. Combine each of these tips to enjoy great savings on insurance. You can comparison shop online and get instant car insurance quotes. The cheapest car insurance comes only with a little research and staying in step with the rules of your agency.

Cheapest Car Insurance

Everybody wants cheapest car insurance that they can find, but most have no idea how to find it. The cheapest policy is easy to get, since every company will offer a discount in order to make you feel that you are getting a good deal, but that is not the same as car cheapest insurance.

First you must work out a strategy to work to. You must not get up in the morning, realize that your policy is due for renewal and then phone up and renew it. Nor, if you are buying a new (to you) car, should you just tell your current ins company that you have changed cars and want the policy transferred. Both of these are what most people do, and that is why most people pay more cars ins., than they have to.

So, what is the best way to get a genuine low cost car insurance? It won’t be just given to you, so you have to do your homework. The first step is to find out the regular cheap car insurance quote. A lot depends on what type of policy you need, and you should first make a list of what you MUST have included, and then the rest is negotiable for a car cheapest insurance rate.

The ‘musts’ depend a lot on the age and value of your car. Uninsured driver’s cover might not be necessary, especially if your car is of low value and you already have health insurance. You might not need collision or comprehensive cover if your car is worth $2,000 or less. However, you must get cheap car insurance. You might also have to have automobiles cover for your wife and kids to drive the car. You might have to have all the above cover if you own an expensive autos purchase.

Perhaps gap insurance is necessary it applies if you still owe a finance company for your car, but the insurance company assesses it as being worth less than the difference between what you still owe and what they would pay out in the event of a total write off or theft. Some company insist on it.

Once you have your ‘musts’ then the rest is negotiable. You can then offer the negotiable options in exchange for reduced prices. Don’t offer them all at once or the insurers will be rubbing their hands. They will give you the discounts, but you have to extract them since, while your priority is to get the best discount you can, theirs is to get the price they can for themselves. There is nothing wrong with that, but they will win unless you know what you are doing.

There is an argument that if everybody had cheapest possible coverage, then ins policy prices would have to increase. They are probably right, but let’s not worry about that while there are still people out there willing to pay top dollar for average cover and autos assurance. There are many such people, but you don’t want to be one of them.

You can get a good deal after negotiation that will provide with a high level of cover, but you must make sure that you are dealing with a reputable company. The best thing to do is to type in the company name followed by ‘complaints’; for example ‘Cheapo Auto complaints’. You will then find the problems that others have had with the company.

You will find complaints and problems associated with just about all companies – it goes with the territory – so you have to make a comparison of the volume of complaints between companies. Compare cheap car insurance online and car cheap insurance quote.

However, if you do it right and follow the above advice, then you should be able to secure cheapest car insurance to suit your needs. Don’t pay over the odds – it is not necessary.