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5 Ways to Find the Cheapest Auto Insurance

During these difficult financial times, many people are looking for ways to save money. Auto insurance is one way that you can save money. In fact, most people are paying way too much on car insurance; therefore, here are five ways to find the cheapest auto insurance.

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Compare Prices

Because of the internet, finding affordable car insurance is easier than ever. Insurance companies from all over the country are competing for your business; therefore, you have so many options for your insurance needs. In order to explore these options, you should check out an auto insurance comparison to get the most comprehensive guide to choosing auto insurance.

You should obtain multiple auto insurance quotes to see which company will offer you the best deal. Most companies online will provide you with free quotes, so you can compare rates. Keep in mind that the cheapest rates are not always the best companies; therefore, choose the best rate from the highest company available. When getting a quote, you will need to know your driver’s license number and the vehicle VIN number, as well as the year, make and model of the car. It is also a good idea to know your credit score.

auto insurance vin number

If you know your budget, many companies will provide you with a name your own price service. This means that you can tell a car insurance company how much you are willing to pay on car insurance, and they will find a policy that fits within your price range. However, you must purchase the minimum amount of car insurance required in your state.

Before you purchase car insurance, make sure that you read the terms and conditions, so you will know what to expect from the company. Here are a few things that you need to ask your agent about their company and your policy:

  • Who does my policy cover?
  • Can I cancel my coverage at any time?
  • How do you handle claims?
  • What if someone else uses my car?
  • How long have you been in business?
  • How much car insurance is required in my state?

Ask for Discounts

Just about all insurance companies offer certain discounts; however, in most cases, you need to ask about the available discounts in order to receive them. Here are some of the discounts that many companies provide for their customers:

  • Multi-vehicle discount
  • Safe driver discount
  • Safety features
  • Anti-theft devices
  • Discounts for taking defensive driving
  • Good student discounts
  • Military discounts

Not all of the auto insurance companies offer all of these discounts, but many of them do. You might even be receiving some of these discounts without knowing it; therefore, you should look at the paperwork that you received when getting coverage, and it will list the discounts that you are receiving.

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Consolidate your Policies

If you consolidate your insurance policies, they you can find less expensive auto insurance. You can have your home insurance, health insurance and car insurance policy all with one company. This can actually be easier for you, as you will only be dealing with one insurance agent and one company. Therefore, overall this can save you a significant amount of money. You might also be able to combine your life and dental insurance. Most car insurance companies will give you up to a 20 percent discount when you combine policies.

Get a Different Vehicle

The make and model of your vehicle will help determine your premiums. You can find affordable auto insurance if you drive a car that is reliable and not as expensive. If you own a sports car or luxury vehicle, they are more expensive to insure. Sports vehicles are capable of traveling at faster speeds; therefore, you are more likely to be in an accident. Here are a few of the features in vehicles that can lower your premiums:

  • Horsepower: Statistics show that vehicles with a higher horsepower have more accidents.
  • Car Cost: Expensive cars cost more to replace; therefore, if you drive a vehicle that is less expensive, your premiums will be lower.
  • Size of Car: In many cases, small cars are actually more expensive to insure because larger vehicles are not damaged as much in accidents.

According to experts, here are a few cars that are cheaper to insure:

  • Land Rover
  • Honda Civic
  • Dodge Dakota Quad Cab Truck
  • Mazda Tribute I
  • Honda Odyssey LX
  • Dodge Caliber

If you are looking for a new vehicle, you can research online to see how much the car will be to insure.

Raise your Deductible

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The amount of your deductible is the main factor that influences your premiums; therefore, you will find cheaper car insurance if you increase the deductible. If you are looking for less expensive car insurance, then you need to ask your agent about raising your deductible to lower your premiums.

Most insurance agents will allow you this option, especially if you have a clean driving record. Your agent might even give you estimation on how much you will save if you increase your deductible. However, if you are in an accident, you want to make sure that you will have the money to pay your deductible or you could get in financial trouble.

Finding cheap auto insurance is possible if you will take the time to compare rates and research the possibilities. Do not be afraid to ask your agent questions, and consider all options. Therefore, look at your budget and see how much you can afford, and then choose a company that meets your budget.

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