It's easy to get a quote for auto insurance online, but it can be harder to find cheap insurance. It takes hard work and knowing what to do.
Here are a few things you can do to find the cheapest car insurance.
Features for safety
Make sure your car is well made and has a lot of "safety" features. If you add anti-theft devices, car alarms, or a good tracking system to your car, your insurance rates should go down. This is because these things make it less likely that your car will be stolen.
Defensive Driving
Take a class on how to drive safely. Certification will help you find cheap car insurance and can lower your rates for up to three years.
Getting Prices
There is a lot of competition in the car business. For the same coverage, premiums can vary by as much as 300%. When looking for cheap auto insurance, make sure you're comparing like with like when it comes to the features you need most.
Fill Out the Form
If you don't fill out the application completely, the insurance companies won't give you a quote for their cheapest auto insurance, and you won't know if you qualify for any discounts. You'll just get a quote for a higher rate. Make sure to put in your marital status, the number of licenced drivers in your home, the safety features of your car, your zip code, the number of miles you drive, etc.
Make your deductible higher.
Your rates can also go down if you choose a higher deductible. In general, the lower the premium, the higher the deductible. If you raise your deductible from $250 to $500, you could save as much as several hundred dollars.
Don't drive as much.
Most likely, you can get a low mileage discount if you drive less than 40 miles a day on average. If you have to travel more, carpool or take the bus one or two days a week to cut down on the number of miles you drive.
Your car's colour
According to statistics, red cars are in more accidents than cars of any other colour. If you want the least expensive car insurance, don't buy a red car.
Who has the most of a certain car?
Compare quotes for each of your vehicles with the man as the main driver and the woman as the second driver, and vice versa. Always put your younger drivers (teenagers) in the safest car you have, like the family car or station waggon. Putting your teenager in a sporty little two-door car won't help you find cheap auto insurance.
