Tips to Get Cheap Auto Insurance

If you have not already faced the fact that driving a car is expensive, it is time you face it. With gas rising to an all-time high in the United States and car insurance also rising, it is flat out expensive to drive. This article cannot help you with the gas issue, but with the tips listed you will be on your way to cheap auto insurance.

The tips listed below should help you to save money on your car insurance.

1. The first thing you can do to save you money is to increase your deductible. By increasing your deductible from the standard $250 to $500 can save you almost 30% on your yearly premium. It is extremely easy to do this to, just a simple phone call to your agent.

2. You need to consolidate your coverage. Many of the insurance companies offer package deals that give you very good discounts. If you insure multiple cars, or even your house, under the same policy, some insurance companies will offer you hundreds of dollars off of your yearly premium.

3. If you are currently driving an older vehicle you should consider dropping comprehensive coverage. Old cars and trucks are often not worth the deductible that you have covering them. If you sign up for a liability-only coverage you will save money but still have coverage on the vehicle.

4. Teen car insurance is at the top of the list for most expensive car insurance compared to all other motorists. The insurance company realizes this and offers discounts to students that are able to get good grades, a B average or higher. If you are a student or have a teen with car insurance you should contact your agent to get more details.

5. One of the best ways to save money on car insurance is to maintain a clean driving record. If you get in an accident and are found at fault, the insurance company will have to increase your rates to compensate for the money they are losing, and this will cause you to lose more money. If you do not get in accidents though you will be able to keep your rates the same, and may even get a discount for being accident free.

6. You are no the only factor in how much your premium rate will be, your vehicle also plays a role. If you have a car with anti-lock brakes, anti-left devices, and even airbags, it is cheaper for the company to cover that vehicle so the insurance company will not have to charge you as much on your rates.

7. You may think that you are a good driver and do not need to take drivers training courses, but you will save money by taking one. Insurance companies offer discounts to those who graduate from a driving training course. So, regardless if you are a teenager that is getting educated for the first time or someone who has driven for years, it is a great way to save big money.

With car insurance and the price of gas rising higher everyday, it is getting expensive to drive. If you follow the tips listed in this article you should be able to get cheap auto insurance and be able to enjoy driving your car that much more.



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