How to get cheap car insurance

Are you getting cheap insurance
for your car? This list will help
you obtain cheap car insurance
- not cheap in terms of quality
but easy on your wallet! Get
your car insurance policy and
compare your savings with this
list to see if you are getting all
of the savings you are entitled
to, or print it out and use it
when getting a new policy or
obtaining an online car
insurance quote.
Top Ways to Change
Your Current Car
Insurance into Cheap
Insurance:
Get Theft Devices: Most
new cars have theft devices.
Some are automatic and some
have to be started at the
touch of a button, but all
usually get discounts on car
insurance. Also, some states
provide extra discounts for
such things as window
sketching.
Ask for a Multiple Car
Discount: Did you know
sometimes insuring two cars can
be the same price as insuring
one? If not the same price,
insuring another car usually
does not cost as much as you
may think. If you have two
cars, it is very wise to check
with your insurance agent, or
while obtaining your online
insurance quote, to make sure
you can get this discount on
your car insurance. Also, if you
are planning to sell a second
car, the cheap car insurance
trick would be to keep that car
on just liability to get your
multiple car discount. Sometimes
people are surprised when they
call their car insurance company
to take a car off of their
insurance, only to find that
their price did not go down but
possibly increased!
Stick With Yearly
Policies: Choosing a yearly
policy can extend your savings
on your car insurance.
Purchasing a yearly policy
instead of a six month policy
gives you a rate that cannot
be changed for one year vs.
changing every six months.
Look Into
Comprehensive
Storage Coverage: If
you are planning to store your
car for any period of time, you
can save on your car insurance
by only keeping comprehensive
coverage during the storage
time. Since the car would be
stored, it is very unlikely it will
get in a collision or need the
liability coverage.
Re-Check Your
Mileage: This is a great way
to get cheap car insurance: If
you are really close to the
"miles to work" break-off, you
may want to check your
mileage closely. When your car
insurance company or insurance
agent asks you "How many miles
do you drive to work one
way?" this is a crucial question
that will designate you into a
particular class. Each class can
have significant differences in
prices.
Look for a Group
Discount: Many companies
offer a discount on car
insurance for being affiliated
with certain organizations.
These can range from credit
unions, college sororities, or just
having a certain credit card. Call
your service center and ask
them for a list of organization
affiliations.
Lower Liability,
Comprehensive,
Collision, or Medical
Payments Coverages:
Of course, you can lower your
basic coverages but it may just
give you the cheap insurance
you need right no!.
Comprehensive and collision are
probably the first to look at
lowering by increasing your
deductibles on your car
insurance. Most vehicles that
are on bank loans can have up
to a $1000 deductible. Next,
lowering your liability and
medical payments could help,
but only if you are having a
hard time paying for your
premium and is not
recommended for general
savings.
Make EFT Payments:
Many car insurance companies
are now charging up to $5.00
or more for mail payments, but
sometimes nothing if you choose
to have payments automatically
deducted. And, sometimes the
deductions can come from your
credit card, so you don't have
to worry if the money will be in
your bank account when
payment time comes.