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Insurance Agent Reveals Secrets To Cheap Car Insurance

Feb 8, 2008
The techniques that follow will maximize your chances of getting cheap car insurance. Some of these ideas you may be able to use other you won't, but using any of them will help.

1. Comparison Shop: This is one of the easiest ways of all the techniques to save money. Insurance companies have different rating variables, so comparison shop with as many companies as possible.

2. Don't Pay Monthly: Insurance companies surcharge you for using a monthly billing cycle. If you can afford to pay in full or two payments per year you will usually pay less yearly.

3. Use Electronic Funds Transfer: By using this option you can save up to 6 dollars per bill that's a savings of $72 per year if you chose a monthly billing cycle. It's easy and very secure, your payments will be automatically deducted from your saving or checking account.

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. Take a Drivers Training Class: You will usually have to pay for the class but it gives you a discount for 3 years. When the discount expires you can retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.

7. Raise Your Current Collision Deductible: You can easily save 100 dollars by raising you deductible from 500 to 1000 dollars, but understand you are now responsible for the first $1000 worth of damage to your vehicle. Your other than Collision deductible( Comprehensive) isn't worth increasing because the savings would be minimal.

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.

This article in no way or form is a professional consultation. Please seek advice from a licensed insurance agent for specific information to help you individually.
About the Author
Cheap Car Insurance article submitted by Joseph Welusz. Compare and purchase Car Insurance.
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