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Cheap Car Insurance 8 Great Tips

Feb 2, 2008
The following list will help you get the cheapest car insurance possible. You may be able to apply all of these techniques or only a few, but either way using any of them will help you save some money.

1. Get Multiple Quotes: This alone can be your biggest money saver. Each insurance company has an individual rating system so check as many as possible.

2. Pay For Your Policy In Full: This will usually lead to the cheapest policy for you. Many insurance companies add surcharges for paying monthly, bi-monthly or even quarterly. So if it is possible try to pay in one or two payments.

3. Take Part Of EFT: Electronic Funds Transfer will help you avoid surcharges that insurance companies charge for mailing out a bill to you every month.

4. Buy The Policy Early: There are insurance companies that you can get a discount from if you buy your policy a week before you need it to start.

5. Have Good Credit: Many companies are now using an insurance credit rating. A big part of this is your actual credit score, so if there are any ways to help increase your credit score it can help you save. Some companies offer an option not to use credit scoring so ask if you know your credit isn't average or better.

6. Driver Training: If you take a drivers training class you will receive an additional discount. The class will usually pay for itself the first year and you will receive a discount for 3 years. Once the discount expires you can take another class.

7. Increase Your Collision Deductible: By increasing your deductible to $1000 from $500 you can easily save $100 but be aware you take on more risk. Your comprehensive deductible isn't recommended to be raised because it is relatively inexpensive to begin with.

8. Find Out If Other Discounts Are Available: You could be missing out on multiple discounts, if you don't ask. So, ask about, automobile safety devices, multiple policy, multiple automobile, good student or safe driver discounts, just to mention a few.
About the Author
Joseph Welusz provides a simply way to get Car Insurance. It takes only a couple of minutes to get cheap car insurance at QuoteMatcher.com
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