How To Get Cheap Car Insurance Tips

Tips To Get Cheap Car Insurance | insurance-1st.blogspot.com 
Looking for the best car insurance deals? This guide will take you through the best way to get cheap car insurance and explain how to use online comparison sites, best buy articles and insurance brokers. Our five-step guide could save you hundreds of pounds on car insurance.

Auto insurance can be a major cost for motorists who already face high fuel prices, paying for regular MOTs and services and of course covering the cost of the vehicle they drive each day.

If you’re looking to find cheaper cover, try these tips for lowering your car insurance costs. There are a handful of ways to help reduce your car insurance costs? Whether you are male or female, old or young, follow our ten steps to lower premiums.

Cheap Car Insurance

Tips To Get Cheap Car Insurance

1. Shop Around
Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers. (State insurance department phone numbers and Web sites can be found on the back cover.)

2. Compare Car Insurance Costs
Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. To help you decide what car to buy, you can get information from the Insurance Institute for Highway Safety

3. Don't Put Everyone on Your Policy
Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car.

4. Increase Your Voluntary Excess
Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered. Beware being tempted to allow it to rise too high, however, especially if you have a lower value car.

5. Buy Homeowners and Auto Coverage From The Same Insurer
Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. But it still makes sense to shop around! You may save money buying from different insurance companies, compared with a multipolicy discount.

6. Do Fewer Miles
Reduced mileage equates to a greater saving.
For example, a reduction in annual mileage of 5,000 miles could save a typical 35-year-old driver about £50 a year in premiums.
A cut of 10,000 miles a year could save more than £100.
But you must be honest about your annual mileage, as inaccuracy will jeopardise any claim.
Check your use cover - if you don't use your car to drive to work or for business - both things that increase your premium - you may be able to get a cheaper rate.

7. Mantain A Good Credit Record
Establishing a solid credit history can cut your insurance costs. Most insurers use credit information to price auto insurance policies. Research shows that people who effectively manage their credit have fewer claims. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.

8. Pay for Your Car Insurance Annually, Not Monthly
Check with your insurance company because sometimes you are charged interest if you pay by instalments.

9. Seek Out Other Discounts
When you comparison shop, inquire about discounts for the following:

• Antitheft Devices
• Auto and Homeowners Coverage with the Same Company
• College Students away from Home
• Defensive Driving Courses
• Drivers Ed Courses
• Good Credit Record
• Higher deductibles
• Low Annual Mileage
• Long-Time Customer
• More than 1 car
• No Accidents in 3 Years
• No Moving Violations in 3 Years
• Student Drivers with Good Grades

(The discounts listed may not be available in all states or from all insurance companies)

The key to savings is not the discounts, but the final price. A company that offers few discounts may still have a lower overall price.