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Keeping Your Car Insurance From Going Up

Feb 8, 2008
Car insurance seems to keep on going up and up in price, and it seems like it is two or three times a year that you get a letter from the insurance agency that says something like: "starting on the first day of your next billing cycle, your car insurance premium is going to increase by 15%." You've probably not gotten a letter from them thanking you for not getting into an accident in seven years and not getting a speeding ticket since you were 19. In fact, they've probably never lowered your car insurance premiums.

Car insurance doesn't always have to go up, in fact, there are still ways to get a cheap car insurance that is going to make you feel safe when you are on the road. The first step to getting a new agent is to go out there and get several car insurance quotes. These quotes should be based on the same amount of insurance that you currently have, so that you will be able to compare the prices. While you are at it, ask your current car insurance company to give you some current quotes as well, because you may find out that their prices have gone down for new customers, and you are just paying too much.

After you have collected all of your car insurance quotes, you are on your way to finding cheap car insurance. The next step is to go back to your current car insurance company and show them the rates that you have collected. If they know anything about loyalty, they will want to keep such a good driver as their customer. A lot of agents are going to match the prices of the cheap car insurance company and are going to give you the same price (or a lower one). If they don't, you have the choice to either stay or go.

A lot of times, you can get your car insurance adjusted just by letting time pass. If you haven't been in an accident in a while, or have a clean driving record with no points on your license and no unpaid parking tickets, you should be able to bargain and get a better deal. Also, if you have an older car that is worth less money, you may want to consider adjusting your insurance amounts, so that you aren't paying to insure a brand new car anymore.

Getting cheap car insurance is going to take a couple hours of your time, but in the long run it is going to be worth it. Just think, if it takes you one hour to get each of the 10 car insurance quotes that you get, and you normally make $8 an hour, it cost you around $80 to get those quotes. If you save $25 a month on your new car insurance, by the end of the third month you have nearly paid off all of that money, and by the end of the forth month, you have already saved $20. With car insurance, a little hard work will pay off, especially if you are a good driver who is looking for a deal.
About the Author
Looking for quotes on irish car insurance policies? Quoteme.ie will give you independent quotes for car insurance . Quote Me is a goldmine for information on everything related to home insurance quotes.
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