Anyone who owns a car needs car insurance. This article will give you some tips to reduce the costs of your car insurance. You will find a checklist to ask your insurance agent they can benefit from discounts. Please note that not all discounts can be applied with all insurance companies in all states.
1. Compare prices
Go to your favorite search engine and type “free online insurance quotes”. You will see a long list of insurance companies with which you might be familiar. Visit at least five auto insurance sites and look for a link to get free quotes. Then you will be asked for basic information about yourself, your driving record and the make, model and year of your car. It takes only a couple of minutes and, shortly thereafter, you will receive an email with no obligation. Enter the address of your website, the toll-free number and the email address of the customer service.
In general, each insurance company will ask you the same questions and give you options on how much coverage you want. Find your current policy, if you have one, and take note of the coverage you currently have. Always provide the same information and request the same coverage in each company, then compare apples with apples. Read the fine print and be sure not to exclude anything from listing, such as car rental coverage, trailers, medical services, etc.
For budget reasons, the insurance company will not ask for your social security number, but please note that the actual cost may be higher or lower depending on your credit history. If you are not sure of the terminology or coverage, take note to consult the insurance company directly.
After receiving at least five quotes sent by e-mail, take the two or three lower quotes and see if they are lower than the ones you are paying now. Most likely, at least one of these is much lower. At this point, you will need to call them directly to get the most accurate quote by providing additional personal information. For more discounts, here’s a list of things you should ask.
 $ 500 deductible
 $ 1,000 deductible
 Monthly, semi-annual or annual payments
 More than 1 car
 No accident in 3 years
 No violation in progress in 3 years
 Training courses for drivers
 Defensive driving courses
 Anti-theft devices
 Low annual mileage
 Air bag
 Anti-lock brakes
 Daytime running lights
 Driver of students with good grades
 Coverage for cars and homeowners with the same company
 University students away from home
 Customer for a long time
 Other discounts
2. Saving the insurance premium on the cars you own directly.
If you have a clear title for your car, which means there is no bank loan, then you may decide to abandon the full collision / cover. As a general rule, if the value of the car is less than $ 3000, it may not make sense to pay this additional coverage. Over time, the cost of the supplementary insurance premium will exceed the value of the car. It is a rather simple mathematics.
Check the fair market value of your car through Edmunds.com or even your local newspaper. See what other people are looking for the same car. Consider the mileage, conditions and age of your car. Have you been in an accident before? Do you have an unusually high mileage that exceeds 15,000 miles a year? Do you need new tires? Understand the idea Be realistic, because if the car suffers an accident and is irreparably damaged, it is unlikely that you can get the full value of the car.
3. Ask about insurance rates in different areas
Rates can vary widely, even in the same state. Several local people have varying rates of accidents, population and crime. All these factors in the final cost. If you move to a different area, ask what the rates are for that city.
4. Ask to get other insurance policies together with your car insurance
The combination of insurance policies with the same company often offers you additional discounts.
If you own a home, ask how to combine your home insurance with your car insurance. Ask also about other policies such as life, health and business insurance. Most insurance companies cover a wide range of policies and will offer significant discounts when doing business exclusively with them.
5. A clean credit history can reduce car premiums:
Having a good credit can also reduce insurance costs. Many insurance companies will use credit information to set prices for auto insurance policies. Drivers with good credit history and a good driving record can qualify as “favorite” customers with a lower risk and will be rewarded with lower premiums.
6. Discounts for low miles
Some companies offer discounts to drivers who drive less than an average number of miles per year. If you share your car, take public transportation such as the subway or work from home, you will probably drive less miles per year than the average driver.
7. Collective insurance
Some insurers offer discounts to drivers who work for certain companies or belong to professional associations and groups of alumni. Ask your employer, group or club to which you belong if you have a special agreement with various insurance companies.
Using all these tips can save you hundreds of dollars a year, especially when you have several cars and several drivers in the same house.