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Cheap Auto Insurance Quotes

Tips For Getting Cheap Auto Insurance Quotes

By Alan Rochford

If you're shopping for cheap auto insurance quotes, shop around and do it yearly. Don't just keep paying the invoice from your current insurer over and over without comparison shopping. Below are a few suggestions to help you get the best rates available on your auto insurance policy. Insurance agents can price match and they can offer many discounts.

What Are The Criteria For Cheap Auto Insurance Quotes?

There are also many decisions you can make about your policy that will save you a bundle. For example, if you change your deductible on your Collision coverage from a $250 deductible to a $1000 deductible, you'll instantly see a a huge savings in your premium. If you have enough in an emergency fund to cover the shortfall in the event it's necessary, that's ideal. On the other hand, if you don't think you could come up with $1000 out of pocket, change it to a $500 deductible; you'll still save a sizable amount on your annual premium. You can also get increased savings if you change your Comprehensive coverage deductible. Many people needlessly carry full coverage on their older vehicle.

They originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Their ten year old vehicle may be worth $1000 or less, yet they continue to pay $250-$450 every six months (total $500 to $900 dollars a year) to keep full coverage on their old vehicle. However, if they have an accident and totaled their vehicle, the insurance company will only pay them the wholesale value of the vehicle. The amount they would receive could be $1000 or less. A vehicle that old just needs the insurance that protects the other person in case of an accident.

Another method to qualify for cheap auto insurance is by combining your vehicles and other insurance together to get you additional savings. All insurance companies offer a multi-car discount (if yours doesn't, it's time to switch companies). Further, many will discount more if you have your homeowners or renters policy with them. There are a few other discounts that you may not be taking advantage of. It seems obvious, but make sure you are getting the correct rate for your age.

There are discounts for various ages than can save you lots of money. Check with your agent on this one. Also alarm systems on your vehicle are usually good for a discount. Additionally, anti-lock brakes and air bags can also help lower your premiums. Don't just keep paying the invoice when it comes in.

Your insurance bill should be an automatic trigger for you to make a few phone calls to see if you can qualify for cheap auto insurance quotes.

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