Anyone can go online and start filling out forms without knowing what they are for on one of the many websites that let you compare the prices of car insurance from different companies. But if you don't know the right answers to put into the form, you won't get the results you want.
Before you go online to find the best price for your car insurance, you should take a moment to put together, on paper, a policy that is built from the ground up to give you the car insurance you need at the lowest price possible.
Then, when you compare prices online, you'll really find the best price for your car insurance.
So, what are some things you can do right away to get lower car insurance rates?
Keeping your driving record clean is the most important thing you can do to keep your insurance rates as low as possible. In other words, don't speed or do anything else that could get you a moving violation.
Never drive while drunk or impaired, no matter what. Do you know what a DWI or DUI conviction will do to your car insurance rates? One conviction can almost double your rates. And if you get a second DWI or DUI, you might not be able to get car insurance at all.
Can you park your car overnight in a garage? Tell your agent if you can, because this will save you money every month.
How good is your credit? Many people don't know that their credit score affects how much they pay for car insurance, but it does. Keep an eye on your credit score and do what you can to raise it, because the better it is, the less you'll pay for car insurance each month.
If you can get all of your insurance policies through the same company, you will save money. So, you can get a discount on your car insurance for having more than one policy.
How long have you been with the same insurance company? If so, make sure you get the discount for having car insurance for a long time.
Are you under 25? Drivers under the age of 25 are automatically put in a higher-risk group, and their rates are higher because of this. If you can stay on your parents' policy until you turn 25, that will help keep your rates a little lower. If you stay in school and keep a GPA of at least 3.0, you can save an extra 5% as a Good Student Discount.
Are you 55 or older? Many car insurance companies will let you take a special course to brush up on your driving skills. If you pass the course, you'll save about 10 percent a month on your premiums. Ask your agent if your company has a programme like this one.
Don't make claims that aren't important. Many insurance companies will give you a discount or lower your deductible if you don't file a claim for as little as 6 months.
If you drive an old car that no longer has any value according to the Kelly Blue Book, paying for collision or comprehensive insurance is like throwing money down the drain. Keep your money.
And since we're talking about money, how much of a deductible can you pay? Think carefully, because the size you choose will determine how much money you'll have to pay out of your own pocket if you ever have to make a claim. Keeping this in mind, your monthly car insurance premium will be lower the higher your deductible is.
Certainly. You now know enough about car insurance to be able to answer the questions on several websites that compare prices so that you can make the cheapest policy possible.
Don't be lazy and think that you can compare things on just one site. If you want to make sure you're getting the best price and the cheapest online car insurance in New Jersey, you'll need to compare at least three sites.
