Getting cheaper car insurance should not compromise the quality of your coverage; after all, your main goal is to save, especially when you are switching to a new provider. Here are some ways you can do to change your insurance to cheap car insurance.
- Purchase an annual policy and stick with it. If you have an annual car insurance policy you can extend your savings on your insurance.
- Ask your insurer for multiple car discounts if you have 2 or more cars. With multiple car discounts, you only have to maintain one car policy.
- Keep a positive credit rating. Most insurance companies check on your credit ratings this is to know your ability to pay your deductibles. If you have a bad credit rating most likely you’ll find it hard to get a cheap car insurance.
- Secure your car with anti-theft devices. Car insurance companies give discounts on insurance if your car has an anti-theft device.
- Lower your basic Coverages. Lowering your deductibles for your comprehensive, collision, liability and medical payments coverage can help you save.
- Learn to be a defensive driver and not an offensive one. Aggressive drivers are road hazards and are usually the cause of vehicular accidents. Women drivers are often defensive drivers as they are very cautious on the road. Male drivers can do the same. You just have to stick to rules while driving, avoid over speeding. Car insurance companies offer discounts to drivers who completed defense driving courses.
- Combine renter’s and auto policies. When you combine your auto and renter’s policy you can reduce your insurance premium by as much as 15-20% depending on the insurance company.
- Have comprehensive storage coverage. If you plan to store your car for a distinct period of time keep a comprehensive insurance with you. Since your vehicle is store, it is unlikely that it’ll get involve in a car accident. This way you can provide savings on your car insurance and you won’t need liability coverage.
- Allow payments for electronically-funded installments to be automatically deducted from your bank account of credit card. Insurance companies charge $5 for payment of postal mails for your insurance. You can the charges deducted to your credit card or bank account.
- Get group discounts. If your affiliated with certain a organization you can secure discounts for your insurance. Ask you insurer the businesses they give discounts to.
