The best auto insurance quote is usually the lowest one that you get. When you shop for coverage, it is important to save money. Here are seven tips for getting a lower premium payment.
1. Drop some of the coverage from your policy. If your car is getting older, you may not need expensive collision coverage. However, it is still a good idea to opt for comprehensive coverage. It will pay for things like fire and theft losses. It will also pay for accidents like a tree falling on your car. If you receive hail damage, comprehensive will pay for it. It is not an expensive option on your policy.
2. Check into extras like free auto club benefits. Some companies will give you free roadside assistance with your coverage. Others may offer it for a reduced rate. A good auto club can cost you in excess of $100 per year.
3. The type of car you drive, matters a great deal. Some cars are at higher risk for being stolen. Others are involved in more accidents than most cars. Check into the rates for different types of vehicles, before you buy one.
4. You can lower your annual driving mileage. You might consider car pooling with others, as this can save you money. Most companies offer lower rates for low mileage drivers.
5. Consider an alarm system for your car. Anti-theft devices can qualify for lower rates. Cars with alarms are less likely to be stolen. Any type of safety device like anti-lock brakes will also qualify.
6. Check into group discounts that are available. Certain companies and organizations may receive special rates. It may be your local credit union, or it might be your place of employment.
7. Make sure all of your cars are insured with the same company. You might have student drivers or adult children at home. This may earn you a multiple car discount, on your policy.…