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8 Hidden Secrets to Cheap Car Insurance



Below there is a list of ways to increase your chances to get cheap car insurance. Some of the techniques you will find very helpful while other might not fit your exact situation, but by using any of these ideas you will be able to save some money.

1. Get Multiple Quotes: This alone can be your biggest money saver. Each insurance company has an individual rating system so check as many as possible.

2. Don't Make Monthly Payments: Making monthly payments is usually the most expensive way to pay for a policy. Try to pay the policy in full or in two payments if possible to save the most money.

3. Use Electronic Funds Transfer: By using this option you can save up to 6 dollars per bill that's a savings of $72 per year if you chose a monthly billing cycle. It's easy and very secure, your payments will be automatically deducted from your saving or checking account.

4. Don't Wait Until The Last Minute To Buy: Certain companies will give you a discount if you get your insurance quote more than 7 days prior to the policy start date.

5. Increase Your Credit Score: Some companies use an insurance credit scoring system. Although this differs from your actual credit score it is heavily weighted by your credit score. So, if you can increase your credit score that will save you money. You might be able to refuse a credit analysis, make sure you tell the insurance company you don't want to take part in the credit scoring. This is only advised if you know you credit is bad because they will give you a standardize rate which is less than average but better than the worst.

6. Take a Drivers Training Class: You will usually have to pay for the class but it gives you a discount for 3 years. When the discount expires you can retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.

7. Raise Your Current Collision Deductible: You can easily save 100 dollars by raising you deductible from 500 to 1000 dollars, but understand you are now responsible for the first $1000 worth of damage to your vehicle. Your other than Collision deductible( Comprehensive) isn't worth increasing because the savings would be minimal.

8. Find Out If Other Discounts Are Available: You could be missing out on multiple discounts, if you don't ask. So, ask about, automobile safety devices, multiple policy, multiple automobile, good student or safe driver discounts, just to mention a few.

The preceding article is for general information only. This article isn't a professional consultation. Always seek advise from a licensed insurance professional regarding your specific situation.
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