How do you get the best cheap auto insurance? It's very doable if you are patient and exercise a little creativity. In this article, I'll give you very specific tactics you can use in order to get good, cheap auto insurance.
First, the basics.
Shop around. This one is self-evident, but you should by all means look around. Don't buy the first policy. You should also get a multi-car discount if you have more than one car - this goes without saying. Also, if the deductible is higher, your premiums will be lower. Most know this, but it doesn't hurt to bring it up.
Look at the deductible with each policy point. I'd also recommend you keep your credit score clean. While it's not common, some insurance insiders predict in time your credit score will be used to help determine your policy pricing.
What else should you do to get cheap auto insurance? Believe it or not, asking for a discount might give you just that, a nice discount. This tactic works especially if you're with an insurer for a long time.
The next option is not common but is a good thing to consider: install a theft device. This is a deterent to thieves and incurance companies like the fact that the odds diminish for them to have to pay out a claim.
Consider completing a defensive-driving class. Also, in conjunction with this, if you graduate from a state-sanctioined driving school - it could save you up to 10% off on Property Damage Bodily Injury, Personal Injury Protection , Medical Payments, and Collision coverage.
You should also do your best to obey the law. A clean driving record gets you discounts. The more history of good driving behavior results in better auto insurance pricing.
You should also consider buying a car that has air bags and automatic seat belts. Believe it or not, some car insurance companies actually discount to 30% off Personal Injury Protection and Medical Payments coverage.
When you are looking to buy a new car or even a used one, get insurance quotes from different auto insurance providers.
Buying online is a great way to save money. You can get instant quotes and compare to your hearts content. Geico, 21st Century, Esurance and others all have online quote generating engines on their websites.
Here's a tip I learned that has worked well for me. If you pay your policy yearly instead of monthly or bi-yearly, many car insurance vendors will give you a discount.
Look at the direct mail auto insurance companies send to you. Why? Let me explain. I hate getting an avalanche of direct mail (junk mail, in other words) as much as anyone. With direct mail campaigns, though, companies spend a lot of money planning and executing the direct mail campaign. They often offer unpecedented savings through these campaigns so you should look at the offer at the very least. I'm glad I did once. About a year ago, I got a direct mail letter from an unknown company. I looked through it and decided it was worth a shot as I was unhappy with my then cheap auto insurance carrier. I literally ended up saving over 50% from my previous policy! Honest. Plus, I actually increased my coverage in a few cases.
So, there it is. By applying these techniques, you will save money. Getting cheap car insurance doesn't have to be hard if you apply these tactics. Remember, it's always a buyer's market when it comes to cheap auto insurance. You the consumer are in control, not the insurance company. By applying a little bit of common sense and these practical tips, you will gain more control over your auto insurance needs.
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