There are easy ways to get cheap car insurance even from major car insurance companies if you only know a few things to look for when comparing insurance rates. If you love your current auto insurance company and just want to lower your insurance premiums, or are looking for new quotes, this information can help you do both. After all, everyone loves saving money and this is an easy way to do it.
So far for the big secret. The truth is that you are likely to pay for something twice on your car insurance or there are some discounts that you are entitled to but not receive. The truth is that discounts aren't always mentioned when getting a quote, so you have to ask for them.
Ask for discounts
Just knowing what to ask will put you 95% on most other people who get a quote because most insurance agents will mention one or two but not all discounts. If you get an online quote, you will likely continue to speak to or email an agent.
Here are some common auto insurance discounts for ordering:
Do you belong to the auto club that covers the country? You only need to pay for the tow once, and chances are that you pay for it on your car insurance policy as well. It is a cost that you can remove with some companies and worth asking about.
Ask if your driving record is good and your accidents are low or you cannot lower your rate. If you park your car in a garage at night or if you have taken a safe driver class, you may be eligible for discounted rates. Even if you have not taken a driver's safety class, young drivers may have taken someone into school, and this may qualify you to get a discount if they are on your policy.
Did you get a speeding ticket or an accident a few years ago? Ask when it will be withdrawn from your insurance rate because it can be easily overlooked. Each insurance company has different rules, so you should shop around because it can pay off. Things like this can add up quickly and can save you a lot of money.
Merging insurance policies
Most people have heard that bringing together your homeowners and auto insurance saves you money and it is. But if you get married recently and you both have separate policies, combining these policies can save you a lot of money. This is often easily overlooked by you and your vehicle insurance agent, so be sure to know if you are both in a common policy.
Get 3 quotes
Compare at least three different auto insurance companies because every auto insurance company has its own way of calculating risk and this is what determines your insurance premiums. Also, get new quotes at least once a year because auto insurance business is very competitive and this helps you if you can get a lower price.