How to Buy Cheaper Auto Insurance Than Your Friends!
What if all of your friends are the same age as you, have
similar driving records and credit reports, and own vehicles
like yours? Believe it or not, that doesn't necessarily mean you
will have the same auto insurance premiums. Wouldn't you like to
be the one who gets the same policy, but gets it cheap? All it
takes is some know-how, and realizing what to look for when
shopping online for your auto insurance.
Shop around--and online.
Consumer groups tell us that the primary reason people don't get
cheap auto insurance is because they don't comparison shop. It
is the simple truth that there are so many auto insurance
companies out there, you'll never find the same insurance quote
twice. That's why shopping online is the single best way to find
cheap auto insurance.
Online services offer quotes from multiple insurance companies,
often within minutes. You can then choose the carrier that
offers you the same policy at the cheapest rate. Your neighbor
may be sticking with the same auto insurance company out of
habit, but his failure to shop online for a cheaper rate is his
first mistake.
Get all the discounts.
When you are shopping online for a cheap auto quote, make sure
and read about the discounts that are offered. Most insurance
companies offer, for example, a multi-car discount. In addition,
there may be a good student discount that makes the policy
cheaper for youthful drivers. Don't think you or your kid will
qualify? Read the fine print. Often, the good student discount
isn't as hard to get as you may think.
Have you had insurance for the past six months? By providing the
online service with proof of prior insurance, you may also
qualify for a cheap rate with your new insurance company. What
about your house--do you own it? If so, many auto insurance
carriers also offer homeowner insurance, or even insurance for
your boat or other property, and that discount can bring that
rate down to a level cheap enough to make even your brainy
brother jealous.
Check your driving record.
Many people pay the pricey amount that shows up on their bill,
never realizing that an error in their driving record is the
culprit. Your insurance company usually gets an electronic copy
of your driver history and applies any auto accidents and
tickets toward your premiums.
If you take the time to get a copy of your record and find an
error, you can easily have it removed, bringing you closer to
your dream of cheap auto insurance. Additionally, make sure that
you have gotten credit for any safe driver courses you have
taken in the past.
Ditch the spouse and kids.
No, you don't have to leave your family to get cheap insurance.
But your auto insurance company may allow a split policy, which
could get you a cheaper premium. If there is a "certain someone"
on your auto policy that has a bad driving record, the rates may
be higher for everyone. Additionally, if there are any youthful
drivers on the policy, they may be keeping the more experienced
drivers from qualifying for the best rate. In many cases, it is
just a matter of moving the offending driver to their own
policy, and presto, cheap insurance!
Make sure you know your options and check them all out when
you're shopping online for auto insurance. Even if you've got
the best car on the block, the smartest kids, and the biggest
house, there's just something about buying cheap auto insurance
that can make you feel superior.