7 Tips for Cheap Car Insurance
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| Picture: Illustration car insurance |
Did you know that getting cheap car insurance isn’t something that happens by chance? There’s a specific way insurance companies calculate our premiums, which also means there are certain steps we can take to make sure they’re calculated in our favor.
So if you’re tired of paying high premiums every six months
the following seven tips could be just what you need. 7 Tips for Cheap Car Insurance:
1. Get No More Coverage Than You Need
There are a lot of people paying for more coverage than they
need. For example, did you know that if you have collision insurance on a car
that’s only valued at $1500, that’s all you’ll get if you total it?
Collision insurance is a necessity when a car is brand-new,
but by the sixth or seventh year it’s a waste of money.
2. Be Careful How You Assign Your Vehicles
If you have multiple drivers and multiple vehicles in your household
your insurance company will, by default, assign the most risky driver to the
most expensive vehicle. But you have the right to decide which driver gets
assigned to which car. Exercise it.
3. Be Careful about the New Car You Buy
More expensive cars also require more expensive insurance.
You may want that flashy sports car but keep in mind the insurance is going to
be expensive.
Read Also: Connecticut Car Insurance: Cheapest Car Insurance
Also keep in mind that a year from now your “little baby”
probably won’t be so dear to you anymore. Is it worth the extra cost to buy
that car to begin with?
4. Ask for Discounts
Almost every insurance company has a predetermined set of
discounts available to drivers who ask. But the key is asking. They won’t
volunteer the information on their own, but they are obligated to let you know
if you inquire. Ask about discounts for safe driving, good grades, etc.
5. Shop and Compare
It goes without saying that you should shop and compare car
insurance whenever you’re purchasing a new policy.
But you should also take a few hours to do a new comparison
before your renewal is due. You might be surprised to find that renewal time is
a good time to switch companies for a better rate.
6. Force Insurance Companies to Compete
Believe it or not, car insurance premiums are not set in
stone. If you can get a hold of three or four quotes you can play one insurance
company against the other and allow them to compete for your business. It
requires a skilled tactician to pull this off, but it is very possible.
7. Behave behind the Wheel
We saved this for last because it is the single most
important thing you can do to get cheap car insurance.
Of all the factors that go into determining your premiums,
none is more significant than your driving record. If you want cheap car
insurance drive safely, responsibly, and legally at all times. The cleaner your
record, the less you pay.
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