7 Friendly Tips for Bringing Home the Cheapest Car Insurance in the Universe

Protection of car

Almost everybody wants to get the cheapest insurance for their vehicles. Getting economical car insurance does not have to be complicated. There are a number of ways to bring down the cost of your car insurance, and choosing a car in the right car insurance group is the best way.

Below are the other suggestions you should take up:

Get a free quote online

It’s not enough that you only get one estimate on a particular insurance company. You need at least three estimates from three different companies in order to compare price range. Keep in mind that coverage from one company to the next can vary by hundreds, if not thousands of dollars. Always ask what are the things included from an estimate. The estimate should be detailed and in black and white.

Compare rates for different cars

Once you have chosen two or three cars that you think you can afford and will perform your needs, make a call to your current insurance to compare premiums for those cars you have chosen. Car insurance costs differ because of the safety record, repair costs and likelihood of theft as well as the price of the car. You can for professional help from an insurance adviser and get the best suggestion about your car.

Raise the excess

Choosing a higher voluntary excess is a great way to reduce your insurance premium. Standard procedure says that the higher the excess, the lower the premium. You can use car insurance comparison tool to see how much difference an increased excess could make to the yearly auto insurance costs. Keep in mind that you should be able to afford the voluntary excess.

Boost the deductibles

In a summary, if you have higher deductibles then you can lower your insurance premiums. Insurance is really meant to cover anything related to damages that you could never afford on your own.

Drive less always

Did you know that a lot of companies offer a low-mileage discount for drivers who have a lower annual mileage cap each year? In this scenario, you should start to think carefully how far you can drive each year. Driving less will save a lot of money. This is an especially helpful tip for two car families, where one vehicle is likely to make more miles in a year compared to the other.

Keep away from tickets and accidents

Keep in mind that your poor driving history will disqualify you from receiving the cheapest car insurance. Insurance companies always check the records to see if you are prone to a high level of risk. Higher rates on speeding tickets, accidents, and drunk driving citation will make you pay higher insurance rate. If you want to get the cheapest car insurance, you should start driving cautiously and properly. In addition, avoid surcharges and you will be able to receive a good driver discount.

Stick with annual policies

Another good suggestion in getting cheaper insurance is selecting an annual policy because it will extend the savings for your insurance. If you opt to buy yearly policy, it will give you a rate that won’t be changed for a year compared to rate changes every six months.

About the author:

Candice likes to write blogs or feature articles about anything including business, travel, and entertainment.

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