A lot of people are looking for ways to save money wherever they can. Anyone who has a car knows how expensive car insurance can be for their vehicle. For this reason, anyone who is struggling to make ends meet, or just wants to save money, wants to get a cheap car insurance policy. Insurance costs can vary greatly depending on a myriad of factors insurers look at. These factors include, type of automobile, type of coverage desired and the driving record of insured. There are also other smaller factors, such as where the automobile is located and if the car will be in a garage. Here, are five ways to get discounts for really cheap car insurance.
One way for people to lower their insurance premiums is to get minimum insurance. If you own an older, or beat up car, it may be prudent to get the state minimum insurance coverage. A lot of people carry too much insurance for their old cars. Make sure that you are adequately covered when you get insurance, but also spend time to research what you need. If your car is paid for consider lowering your amounts to the state minimum. Consider also raising your deductible, but only do this is if you can afford the deductible in the event of an accident.
One way that insurance companies determine policy rates is how long someone drives for. If you drive 25 thousand miles a year, you will pay more than someone who drives 5 thousand miles a year because of added risk. Remember, to be honest when you tell the company how many miles you drive in a year. If they somehow find out, you may have serious problems. You can try and use your car less by living near your job, riding your bike more, and even taking public transportation.
A driver with a poor record will pay more than someone with a clean record. Luckily, some states allow drivers to take safe driving courses. This can remove points off of ones record; a class will negate the ticket, and cause the ticket to go away, like it never happened. The cost of a class may be around $100, but it will pay for itself quickly with lower insurance premiums.
When looking at insurance quotes, make sure to get them from multiple companies. Insurers vary their premium rates by hundreds of dollars a year. Nobody knows why for sure, but what may be cheap for you may be expensive for a friend, and vice versa. There are comparison websites that can help you determine that best deal for you. It will only take you a couple of hours of your time to compare vehicle insurance costs, and it will save you hundreds of dollars in the long run.
There are a lot of things to consider when looking for insurance for your auto. Remember, you should always shop around. Not only should you shop around, you should look for new policies every six months or a year. There may be new businesses or new deals out there that were not previously available. If your objective is to save money, there should not be any loyalty to one insurance company.