A Short Guide On How To Save On Car Insurance

Getting a cheap car insurance quote can be something of a challenge and – even if you manage it one year – you may have a nasty shock at renewal time if your premium has sky-rocketed Get free car insurance quotes online and compare prices.

Shopping around for auto insurance is usually a simple but effective way to reduce the price you pay for coverage. Insurance companies rarely offer their very best deals to existing customers, instead reserving their cheapest possible prices for new customers. Use wisely car insurance comparison tools to see how much you could save by switching carriers. Just remember to make sure you are comparing like for like cover, with deductibles set at the same level and including any extra options that you’d usually add on.

Agreeing to pay for a higher deductible when setting up your car insurance coverage is another way to reduce your premium. As a general rule of thumb, the higher your deductibles, the lower your premium.  Get quotes and compare prices to see how much difference an increased excess could make to your annual auto insurance costs. Remember, though, that you must be able to afford that amount of money. If you need to make an insurance claim, you’ll be required to pay deductibles first before your insurer will pay out.

Some insurers will give you a discount if you have taken a defensive driving course.  Also, keep a clean driving record, since points on your license will increase your premium.

Consider getting a policy which includes an assessment of your driving with telematics. If you can prove you are a careful driver, this could result in a lower premium. If you improve your vehicle’s security you may be rewarded with a lower quote, although you should check whether your insurer will acknowledge the extra security and consider whether the investment outweighs the saving. Think about devices such as alarms, immobilizers and wheel-locking nuts.

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by Ciprian Gurgu