subject: Basic Tips On Getting Cheap Auto Insurance [print this page] Are you looking for cheap auto insurance? Well, of course you are. Everyone would rather pay for any product or service for less and therefore when looking for an auto policy you are surely going to be trying to find the best possible deal available, are you not? Well, there are certain things that you can do in order to achieve this. Let's identify a few simple ways of finding affordable auto insurance quotes.
Start off by searching around on the Internet. You need to give yourself plenty of opportunity to find yourself competitive rates and this can only be done by actually identifying as many different companies who will offer you what you want as possible. If you only spend half an hour looking for suitable quotes and then choose one immediately then you are going to be limiting your exposure to different companies.
Consider the option of phoning companies up directly. When you search around online you may not be able to identify the best possible quotes, or at least the companies may not be issuing them out. Instead, phone them up directly and ask them what the cheapest possible rates are within your criteria.
Only purchase coverage that you really require. This will necessitate spending a bit of time considering the different types of coverage you actually going to need. If you are looking to save some money then you really need to try to avoid purchasing coverage that you are never going to use. For example, if your car is relatively old and isn't worth a great deal, don't bother purchasing collision coverage.
Increase your deductible if you want to achieve low premiums. This may sound a little bit counterintuitive if you are trying to save money, but by setting a high deductible, your premiums will be significantly reduced. Of course, it is important to make sure that the deductible is set at a rate that you can actually afford. If, however, you don't make a claim then you will be saving a great deal of money each and every month.
It is actually better for you to pay for the entire policy up front, rather than paying on a monthly basis. Why is this? Well, if you pay monthly then there is always the chance that you are going to default or miss your payment. If, however, you pay for the entire policy up front then you will get a discount of doing so.
Look for discounts elsewhere as well. For example, you may qualify for a multi-policy discount if you require other insurance policies. Let's say you need to get home insurance as well. If you look for home and car insurance from the same provider and you purchase them both from them, they are sure to provide you with a discount for doing so.
Make sure that your car has all of the necessary safety devices and antitheft devices installed into it as well. By doing this you will reduce the chances of theft or injury to you and therefore your premiums will be reduced.
by: Adriana Noton
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