Cheaper car insurance with good to go

cheaper car insuranceAuto insurance is something we all must have if we own and operate a vehicle because it is the law. You can, however, get cheaper car insurance by following some basic guidelines. Let’s take a glance at some proven methods that will reduce your automobile costs and save you hundreds yearly.

1. Have a high Credit Score

Insurers are placing more emphasis than ever on a person’s credit rating. The higher your credit score is, the lower your rates for coverage will be. People that are responsible with their finances are far more likely to be responsible drivers and the stats have proven this out over and over again. If you have things on your credit that are hindering your score, get them resolved as soon as possible. Not only will you save on automobile insurance but lower your cost of credit for everything else.

2. Drive a Car that is Cheap to Insure

In general, cars that are more expensive and cost more to repair are going to have higher insurance costs. If you are looking for cheaper car insurance then get a car that is cheap to insure, it’s that simple. There are lots of cars out there like the Honda CRV and a new Jeep Cherokee that are fun to drive and also cheap to insure. In addition, these cars are super safe with anti-lock brakes and surround airbags. Also, stay away from cars that are always on the top 10 most robbed vehicle list: like used Honda Accords and Civics.

3. Move to a Cheaper area where Insurance Costs Less

Many people don’t know that the zip code you live in plays a big part in the rates you pay for automobile coverage. The more accidents and thefts that are in a given area, the more you are going to be charged by insurers. You can do a check of any area you are considering moving to with a free estimator quote at Many rural areas have lower insurance costs because there are less frequent accidents and thefts in these sparsely populated areas. However, there are many urban areas that have great rates also, so do your research.

4. Get a High Deductible and Save

The deductible amount you pay is something you have control over. When you buy collision and comprehensive auto insurance, the higher you set your deductible, the lower your premiums will be. To get a lower rate, choose an amount of $1,000 or higher if it is available. This will get you cheaper auto insurance premiums instantly. The catch is, you will be responsible for paying the deductible amount in the event you make a claim, so always set it aside and have it ready.

5. Drop Unneeded Coverage

If you have a policy, that is expiring, review it carefully and look for any coverage items that you don’t need. For example, if you already have breakdown assistance from a service like AAA, then drop it and don’t get it on your next policy. Also, many people buy car rental coverage on their auto policy when they are already covered through their credit card’s policy. If your car is getting older and has already depreciated a lot, consider dropping comprehensive coverage. This will save you a lot of money that you can stick in the bank.

6. Get Car Insurance Discounts

Insurers are fighting for your business every day and use many techniques to lure you in. One of the most common incentives is instant auto insurance discounts. Nearly all insurers offer a lot of the same discounts, but the discounted rate varies. For example, one insurer might offer 5% off for a spotless, good driving record while another might offer a 15% good driver discount. Make sure you qualify for each and every discount offered and that it is written into your policy. Some of the most common ones are:

* Good Driver
* Good Student
* Military Service
* Teacher
* Low Mileage
* Bundled Discounts
* Loyalty Discounts
* Good Credit
* Garage Stored
* Enhanced Automobile Safety Features

7. Compare Multiple Online Auto Insurance Quotes

There is no excuse for getting multiple automobile insurance quotes thanks to free online quoting services. Rates can vary from company to company by a significant margin, so make sure you get at least ten quotes from top rated carriers. Once you are ready to buy your policy, go over it completely and make sure you are getting the exact coverage you want. Apply now for your free quote and get cheaper car insurance in just five short minutes.