How to Save a Bundle on Car Insurance?

Answer 1

Most people are aware they can buy car insurance online today and save a lot of money simply by shopping around. However, there are numerous ways you can cut your car insurance premiums even further by taking a few simple steps.

Obtain a copy of your motor vehicle report and make sure there are no errors on it. The price you pay for car insurance will, in part, be determined by the information contained in your motor vehicle report so it makes sense to make sure that information is correct.

Ask any car insurance company you are considering doing business with if they check credit. If so, and if you are still interested in doing business with them, obtain a copy of your credit report, which you can get for free. Make sure there are no errors on your credit report that could cause your premiums to be higher.

Ask for the highest deductible you can stand. You will save money on car insurance premiums by having a higher deductible.

Once you find the best possible price for car insurance, get a policy for as long as is allowed. Some companies only sell six month policies while others will sell you a car insurance policy for an entire year. By taking the longest policy possible, you will lock in the price you have to pay and you won’t have to worry about your premiums increasing in a couple of months.

Make sure your vehicle has all of the approved safety devices on it. You may qualify for discounts in some states if your vehicle has certain safety and anti-theft devices. Items such as airbags and security systems can mean cheaper premiums.

Ask about every discount the company offers and see which ones you may qualify for. Also, ask which part of the policy the discount applies to. Some companies advertise a myriad of discounts but if you are only purchasing liability insurance and the discount applies to comprehensive, it won’t do you any good.

Drive safely and keep your driving record as clean as possible. This will translate into continued savings as riskier drivers will always pay more for car insurance.