subject: Quick Tips for Low-Cost Auto Insurance [print this page] Quick Tips for Low-Cost Auto Insurance
What's the difference? Better yet, what causes the rates to go up? Everyone qualifies for different amounts of car insurance based on their own specific situation. Unless you're aware of how to obtain the best price for insurance, chances are, you'll pay more.
Provide as Many Details as Possible - When you fill out your online application to receive a quote or speak to a representative, be sure that you provide as much info as possible as to make sure that you receive the maximum discount. You'll need to state the worth of your vehicle, mileage, your zip code, what your car is used for (business or pleasure), etc.
Don't List Additional Bad Drivers - Someone who has a bad driving record will only raise the price of your policy. If listing a spouse with a bad driving record, be prepared to pay more. However, also be prepared to find out how much they are raising your premium and make them pay their portion.
Raise Your Deductible - Raising your deductible won't cost you a penny unless you have an accident. The good news? It will lower your monthly premium by a couple of dollars.
Lower Your Mileage - Do you find yourself constantly "pounding" the roads for no reason in particular? If so, then you should stop. You'll be required to list the mileage on your vehicle upon filling out your application, which will inevitably have an impact on the price you pay for auto insurance. In addition, you'll be required to list the amount of miles you travel on a daily basis.
Add Safety and Security Features - Safety features such as anti-lock breaks and airbags can significantly reduce your car insurance rate. The reason being is because it lowers the chances of having a bad accident. Security features lower the risk of your vehicle being broken into, thus increasing the overall safety.
Stay Away From Sports Cars - Mustangs, Camaros, and all other vehicles of the sort are to be avoided if you want low-cost auto insurance. The stereotypical sport's car driver is considered "risky" and perhaps a "show-off", heightening the chances of an auto-accident. Insurance companies have taken note of this and upped the cost of car insurance for sports car drivers.
Purchase a Fuel-Efficient Car - A car that costs less, has safety features, and is also fuel efficient is considered a gem in the realm of car insurance. Auto insurance companies love to offer discounts for fuel-efficient vehicles. However, you may have to ask first.
These are just a few of the best tips for finding the lowest-cost auto insurance on the market. Keep in mind that if you play your cards right, you may just come up with the lowest monthly premium humanly possible.
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