Cheap Car Insurance 8 Great Tips
Joseph Welusz
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. 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. 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. Purchase Your Policy Early: Some companies offer discounts if you purchase your policy 7 days prior to when it begins.
5. Increase Your Credit Score: Some companies use an insurance credit scoring system. Although this differs from your actual credit score it is heavily weighted by your credit score. So, if you can increase your credit score that will save you money. You might be able to refuse a credit analysis, make sure you tell the insurance company you don't want to take part in the credit scoring. This is only advised if you know you credit is bad because they will give you a standardize rate which is less than average but better than the worst.
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. 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.
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