7 Tips to Help You Get Cheap Auto Insurance
7 Tips to Help You Get Cheap Auto Insurance
Reader’s Question:
Like everyone else, I want to get cheap auto insurance rates. Just how do I do this without having to hire any brokers or spend too much time? Am I asking for too much here?
Zeus
Biloxi, MS
These days, who has the luxury of spending hours with agents or brokers 
to find auto insurance coverage? Still it is worth it to make sure you find the policy and provider that suits you best. Here are some useful tips to help you:
1. Start Online – Use auto insurance comparison websites (like this one). You get access to free instant auto insurance quote checks and are able to compare many different insurers simultaneously. This saves you a lot of time and effort in finding the best-priced deals out there.
2. Read the Policy Carefully – Know exactly what you’ll be paying for. Sometimes you end up with coverage items that are completely useless to you. Take off redundant coverage. If you have an old, cheap vehicle consider lowering (or dropping) comprehensive coverage.
3. Get Discounts - You can get discounts for bundling multiple policies with one company, for taking defensive driving courses, or for lowering your total annual mileage. Discounts are a great way to lower expensive coverage. Make sure to always ask for what you’re eligible for.
4. Go with a Competitive Company – Find out which insurers have the best service, rates, claims handing process, etc. by visiting the websites of Independent rating agencies like A.M. Best and J.D. Power. You can get valuable insights that will help you determine the companies you should do business with.
5. Choose a Bigger Deductible - Higher deductible, lower premiums. Just don’t make it too high though.
6. Setup an Annual Payment Plan – Most insurers today offer reduced rates or discounts for customers who pay a year upfront. If you can afford to, take advantage of this to save more in the long run.
7. Be a Good Driver – Nothing beats a good driving history when it comes to keeping affordable coverage for years to come.