Dec 27 2017

Cheap Auto Insurance Rates: How To Save. #japanese #auto #parts

#cheap auto insurance

Cheap Auto Insurance Rates: How To Save

In some circumstances, whether you can get cheap insurance is out of your control. Men tend to pay more than women. Middle-aged drivers tend to pay less than teenagers. But no matter what, there are things you can do to keep your prices as low as possible.

Here’s what you can do to keep insurance affordable in the long term:

  1. Keep a clean driving history. People who cause crashes and get tickets tend to pay more for coverage.
  2. Buy a car with reasonable insurance costs. Certain cars are cheaper to insure. Before you buy your next car, get some quotes to see how it’ll affect your premiums.
  3. Pay your bills on time. Insurers don’t like to see a history of policy cancellations for not paying your premiums. Keeping up on your payments now will help you get lower prices in the future. Also, maintaining good credit can help you keep prices low.

If you’re shopping for a new policy and want immediate savings, here’s what you should do:

  1. Compare quotes from multiple companies.
  2. Get all the discounts you can.
  3. Make smart coverage decisions.

Compare quotes from multiple companies

One of the biggest pricing factors is which company you buy from. All companies ask for the same basic information when you apply. But they use that information in different ways. As a result, you could pay hundreds less if you find the right company.

“Prices vary dramatically from company to company, so it pays to shop around,” according to the Insurance Information Institute .

Even if you have tickets and accidents on your record, you can find a company that will give you a lower rate. In the end, you need to find the insurer that’s the best financial fit for you. You can’t assume the first insurer you get a quote from is the cheapest. is built to help you compare quotes and find the best price. When you fill out your information, you’ll get real quotes from a handful of major insurance companies. You’ll see which is the best option for you and can buy online.

Get all the discounts you can

Some discounts are automatic. You don’t have to do anything, and your insurer will still apply them. But for other discounts, you need to let your insurer know that you qualify.

The following discounts usually kick in automatically if you qualify. But you can still check with your insurer to make sure you’re getting the savings you deserve.

  • Good driver
  • Multicar
  • Multi-policy/multiline
  • Loyalty
  • Low mileage

To get the following discounts, you may need to let your insurer know that you qualify.

  • Good student
  • Antitheft
  • Defensive driving course
  • Association membership (e.g. AARP, alumni associations)
  • College student away from home

Not all insurers offer all of the discounts mentioned here. But it’s worth it to ask about them.

Usage-based insurance discounts

Usage-based discounts are growing in popularity and availability.

In these programs, you install a device in your car that tracks how often it’s driven. Some programs also track events like braking and turns. After the insurer tracks your driving for a couple months, they look at the data. If they see you drive safer or less frequently than most drivers, you could get a discount.

Many companies offering these discounts advertise savings of up to 30%. Also, some give you a smaller discount just for enrolling.

The following table lists the major companies that have usage-based discount programs available in many parts of the country.


Usage-based discount program

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