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Get The Right Car Insurance And Save Money Too

May 26, 2008
Out of towners: If you're in the military or going on an extended trip, there is no sense paying full coverage on a car that is just sitting there. If the car is stored (for whatever reason) the likelihood of it being in an accident is virtually nil, so comprehensive storage coverage is a sure fire way to save a small bundle.

Another area to take to task is the deductible, the amount you pay when you file a claim with your insurer. Most people choose a low deductible thinking that they are saving their out of pocket expenses, when in fact the opposite is true. Just by choosing a higher deductible on your policy for collision and comprehensive coverage your savings can be dramatic. A $1000 deductible over a $250 deductible can save hundreds of dollars that you have to pay the insurer per billing cycle.

Lowering your liability and medical payments can help in a positive way but only if you are not in a condition to pay for your premium and it is not recommended for general savings as it not considered among one of the best methods to get cheap car insurance.

Lowering your coverage: As you're working with your insurer to increase your deductibles, you should also look at decreasing your coverage in areas that make sense. You may want to consider lowering the coverage of comprehensive collision, liability or medical payments.

Duration of the policy: You will find the insurer is more likely to give you a break in insurance rates if you are a customer longer than if you only sign up to use their services for a single billing period. Not only will your insurer feel more secure with you as a customer, but you will reap the benefits of better rates given to their most loyal customers.

Be a Pro-active Owner: Install anti-theft devices. Not only will these deter a would-be thief, but most insurers give discounts as well for cars that have additional protection. Check with your state as well for any other discounts available.

Combine your car and home or renter's policy: This is another great answer to how to get a cheap car insurance. There are many companies that give discounts when you combine your car and home policy together. The discounts vary from company to company and they can be as high as 25%.

The strategies listed above are just a few ideas you can use to lower your overall car insurance premiums. Compare rates from several companies and don't be afraid to ask for a discount. Good luck in your search for affordable and quality car insurance.
About the Author
To find out exactly how I got car insurance , visit my website about auto insurance rates
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