Cheap Car Insurance 8 Great Tips
The techniques that follow will maximize your chances of getting cheap car insurance. Some of these ideas you may be able to use other you won’t, but using any of them will help.
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. Take Part Of EFT: Electronic Funds Transfer will help you avoid surcharges that insurance companies charge for mailing out a bill to you every month.
4. Purchase Your Policy Early: Some companies offer discounts if you purchase your policy 7 days prior to when it begins.
5. Increase Your Credit Score: Some companies use an insurance credit scoring system. Although this differs from your actual credit score it is heavily weighted by your credit score. So, if you can increase your credit score that will save you money. You might be able to refuse a credit analysis, make sure you tell the insurance company you don’t want to take part in the credit scoring. This is only advised if you know you credit is bad because they will give you a standardize rate which is less than average but better than the worst.
6. Driver Training: If you take a drivers training class you will receive an additional discount. The class will usually pay for itself the first year and you will receive a discount for 3 years. Once the discount expires you can take another class.
7. Increase Your Collision Deductible: By increasing your deductible to $1000 from $500 you can easily save $100 but be aware you take on more risk. Your comprehensive deductible isn’t recommended to be raised because it is relatively inexpensive to begin with.
8. Inquire If There Are Other Discounts: There are many discounts you may receive but might not know about. So, ask what other discounts are available. Some discounts are a more than one car on the policy, more than one policy, incident free driver, vehicle safety feature discount and good student just to name a few.
The techniques that follow will maximize your chances of getting cheap car insurance. Some of these ideas you may be able to use other you won't, but using any of them will help....
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