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9 Ways to Save Money on Auto Insurance

Monday, April 5th, 2010

A lot of people don’t realize this, but auto insurance is a big expense. For some people with points on their driving record, believe it or not, their auto insurance rate could cost as much as their monthly payment on their car! Here are 9 helpful tips on how to save money on your auto insurance and at the same time getting the most of out of it.

Getting the most out of your money and time.

1. Increase your deductible. I only recommend this step if you have an adequate savings fund in place to cover the cost of the deductible. While raising your deductible can significantly reduce your premiums, the last thing you want to happen is to go into debt after an accident to cover repairs or not have enough to cover the deductible.

2. Drop unnecessary coverage. Comprehensive or collision coverage for older vehicles may not make sense financially. Consider the annual cost to insure older vehicles compared to their potential sale value. It may be that it costs more to insure an older vehicle than it costs to replace one. On the other hand, if you have little savings, insurance may be a relatively inexpensive way to replace an asset worth a few thousand dollars.

3. Buy car insurance and homeowners insurance from the same provider. If you already have a homeowners policy in place, contact the insurer and ask if they offer auto insurance. Chances are you’ll receive a multi-policy discount for purchasing both from a single provider.

4. Shop around, and don’t be afraid to take your search online. Do a little comparison shopping by getting two or three quotes from multiple sources. Use the sponsors we have available. Many of them will give you a quote from many of the leading auto insurance companies, so you don’t have to go from one place to another trying to compare quotes.

5. Inquire about other discounts. When discussing your policy quote with an insurer, specifically ask about any other discounts you may qualify for, such as low-mileage driving, the installation of car alarms or the successful completion of defensive-driving courses.

6. Special discounts. Use one of our sponsors on our site to compare against many of the leading auto insurance companies. Some of them offer special discounts or promotions through our site.

7. Maintain a clean driving record. One of the quickest ways  to increase your car insurance costs is to have an accident or get a ticket for a moving violation. Tickets add points to your license and increase your insurance costs. Accidents increase your risk profile to current and potential insurers and increase premiums.

8. Clean up your credit report. Those not fond of the FICO score may find it objectionable that insurance companies use your score, in part, to determine your premium. However, statistics show a correlation between bad credit and a propensity to receive more tickets and be involved in a crash.

9. Drive “low-profile” cars. That is, drive cars that are not typically a target for thieves or radar guns. Studies have also show certain models and colors are more likely to be stopped for speeding (red sports cars, for instance). In their prime, the two cars shown above would have definitely been high-profile cars.

Saving money on car insurance is a quick way to make a significant reduction in your monthly expenses. Use our sponsors tab on the right to get a FREE Auto Insurance Quote Now!

Where to Find Cheap Auto Insurance?

Thursday, April 1st, 2010

Where can you find cheap auto insurance without spending a lot of time researching?  In today’s world, this question is asked less and less. The search for cheap auto insurance quotes can be done online without having to waste time to negotiate with pushy insurance agents. You can get an instant quote online by just filling in your information. Best of all, there are many helpful links we have on here and when you can enter in your information once, you’ll get quotes back from ALL the leading companies who are willing to insure you.

Now, you might ask how can I find cheap auto insurance? To find an insurance company that will give you the best deal on a new or used car is quick and easy. Go to our Compare Insurance Page and enter in your information to compare the rates and quotes from each insurance company because different insurance company will place different values on risk factors, for example such as age, driving record etc. Find the company that suits your needs the most with the most affordable price.

Now that you have your cheap insurance quote from many leading insurance companies you can also make the insurance companies compete for your business. You can call around to different car insurance companies and ask them to match that price, or even call your current insurer with the quote you found and tell them that you will switch companies if they don’t beat their competitor’s rate.

Having the right car also plays a big part in your insurance rate. In order to get a really low rate, you need to buy the right car, meaning, one that has good safety ratings, good security system and isn’t easily accessible to thieves. Cars are also classified according to how likely they are to get in an accident and how expensive they will be to fix will have higher insurance rates. Also anything that is a 2 seater coupe that has high horsepower will typically have a higher insurance cost as well.

Another thing auto insurance companies consider is your driving record. Most companies are going look at the history of your driving record before they determine your insurance rate. If you have any kind of violations such as an accident of speeding ticket, your insurance rate is going to go up. Being a safe driver with a clean driving record is one of the ways for you to save money on your auto insurance. Many companies also offer incentives for drivers with clean driving records.

The truth is, attaining cheap auto insurance is very simple and easy as long as you do your research and compare. However your driving record looks like or whatever coverage you need, getting cheap auto insurance that fits your needs is plain and simple!