Free Car Insurance Quotes – 6 Ways to Slash Your Premium

When was the last time you compared free car insurance quotes? More than a year? More than two? According to the National Association of Insurance Commissioner (NAIC), only 20 to 35 percent of us compare car insurance rates every year. If you are part of the group, there is a possibility that you pay more for car insurance than you need. Maybe more!

But before you call and start calling an insurance company, take time to review a number of steps that can help reduce your insurance premium. Not all of these steps will apply to each individual, but there must be several items on the list that can significantly reduce your car insurance costs.

1. Make sure you tell the insurance company about the latest changes to your vehicle that can affect your insurance level. For example, have you installed an anti-theft device?

2. Think about any changes in your lifestyle that will affect your driving habits. Do you leave work to work from home? Reduction in mile drive can have a significant impact on your car insurance quote.

3. Check your budget and decide whether you can pay for all your car insurance premiums in advance. Although it can easily pay monthly or quarterly installments, insurance companies usually add administrative or financial fees to your premiums. When you compare car insurance quotes, ask each provider if they offer discounts for full paying customers in the first ten days of the policy.

4. If you have teenage drivers in your household, wait until they have a full license before adding it to your car insurance policy. Most insurance companies will extend coverage to teenagers with study permits without including them as drivers in your policy.

5. Ask about good driver car insurance. This type of policy requires placing a small tracking device in your vehicle – and then checking speed, acceleration and braking patterns. The result can be a lower premium for safe driving habits.

6. Ask about insurance pay-as-you-go or with-miles. Although not offered by every insurance company, this type of policy is becoming increasingly popular in certain countries. Programs like this reduce the premium for car owners who drive less miles, thus reducing traffic, pollution, and the risk of car accidents. According to a recent study, nearly two-thirds of households will pay less for car insurance based on this type of plan, resulting in an average savings of $ 270 per car per year.

Car Insurance Quotes – The Hot Half Dozen Tips

The world of online car insurance quotes can be a real choice minefield, with hundreds of insurance companies trying to persuade you with the lowest prices and discounted offers. As smart consumers know, price is not everything, and there are many other factors that need to be considered before signing a dotted line.

That said, everyone wants to save a few dollars on their car insurance quote, freeing money for other needs. Fortunately, there are several easy and cost-effective ways to cut a large portion of your monthly insurance bill. These tips are worth a few dollars and a little time, but they will make the insurance company see you as a much lower risk. Insurance companies will not tell you this, because they want you to pay a higher rate than you need. These tips will allow you to beat them in their own games.

1) Even though it is difficult in a current crisis, try to pay off credit card debt or unpaid bills. Car insurance companies see you as a high risk if you have credit problems, so it will soar at a pretty premium.

2) Invest a few dollars in a car alarm system and immobilizer. Even the steering wheel lock found in an automatic hardware store will save you money.

3) If you have a garage, leave space for your vehicle and buy a sturdy padlock. You can now safely check the box asking if you have secure off-street parking. This will shave a few more dollars from your quote.

4) If you are a family with more than one car, look at buying joint insurance with the same company. This will not only reduce your overall car insurance offer, but this may be the only cost-effective option for young drivers.

5) Maximize what you have. For example, some vehicles are rated very high for safety, so don’t be afraid to broadcast them to agents. You want a cheap car insurance quote; they want a commission – now you can encourage difficult bargaining.

6) If you think about new or used cars, think about insurance ratings when you buy. Most insurance companies use a ranking system, which is based on the size and safety of the machine, to produce quotes. Check rank before you buy – it only takes a few minutes and can save a large amount.

This only scratches the surface to lower the price of your car insurance, but these tips can save hundreds of dollars on your car insurance. Well prepared, you can start shopping to get the cheapest online car insurance.

This only scratches the surface to lower the price of your car insurance, but these tips can save hundreds of dollars on your car insurance. Well prepared, you can start shopping to get the cheapest online car insurance.

Car Insurance Quotes – 5 Steps to the Best Quotes

Car insurance quotes have become quite popular. Everywhere you look – someone is telling you how much money you’ll save – enticing you to look up their car insurance quotes. Before leaping into the murky pool of car insurance quotes – take a look at these five steps that will surely help you get the best quotes.

1) There are many car insurance companies that will gladly compete for your business. Obtain car insurance quotes from at least five car insurance companies. After all, most people shop around before making a major purchase – it only makes sense to shop around when looking for car insurance quotes.

2) When filling out the necessary information to obtain car insurance quotes – be certain the information you submit is accurate. Car insurance companies tend to find out “things” anyway, so you might as well be as accurate as possible. Car insurance quotes are only as good as the information upon which they were calculated. It’s important that the information you use to obtain your quote is the same information the car insurance company will use when writing your policy.

3) Obtaining car insurance quotes will usually require that you submit information such that a “salesperson” will be contacting you sometime after you receive the quotes. It’s important that you don’t let this person talk you into purchasing a car insurance policy until you have received car insurance quotes from all of the insurance companies you’re researching. You don’t need to be rude – but simply inform the “salesperson” that your research is not yet completed and you won’t be making a decision today.

4) When you have received all the car insurance quotes – narrow the list down to the two best quotes. Do some research on those two car insurance companies. Focus on the aspects of service which are most important to you.

5) Most importantly, make sure you are the person in charge of the car insurance quotes. More specifically, take all the necessary steps to insure that you will truly receive those rates that were quoted. In other words, don’t let a car insurance company offer you attractive car insurance quotes – then tell you later that because of “this or that” you will need to pay more. Remember, you are the customer – you’re in control and there are many other car insurance companies that will always be interested in your business.

Cheap Car Insurance Quotes – Don’t Let High Auto Insurance Premiums Get You Down

Getting vehicle, truck, auto or car insurance is something everyone who drives a vehicle has to do. But many people end up paying too much for their auto insurance and they’ll never know that they are doing so. If you’re looking for cheap car insurance quotes, you’ll want to consider long established as well as new insurance companies for the cheaper rates. Newer auto insurance companies are competing for your business and have to work harder. They don’t have the history of the long established companies to back them up. With the ease of being able to go online and get free, cheap car insurance quotes in just minutes, it shouldn’t prevent anyone from finding out who has the best rates.

You also may want to consider the longevity you have with your current insurance company, especially if you have a fairly good record. The length of your insurance coverage may play a part in the rates you have now or with other variables in your policy that might be different and more valuable to you than with a newer company — even at a lower or cheaper rate. Car insurance rates and quotes are never the same for each company; there are usually many variables in the plans. And make sure to find out exactly how much deductibles will be and any conditions that are attached to them.

If you’re already insured you can choose to stay with your present auto insurance company or go with a new insurance company and low cost or cheaper rates may be the best reason to switch to another insurance company. And keep in mind that insurance companies change their rates now and then so the quote you got yesterday may not be good today. When you’re doing your homework you’ll want to check out the car insurance company’s rates, the types of coverage they provide you, the deductible information and all discounts that are available to their customers.

A discounted insurance policy doesn’t mean that you’ll have the best car insurance policy so you’ll need to check this out carefully and make sure to compare it with other insurance companies to make sure you’re getting the best deal. If you’re over 50 years of age, you and your spouse can become members of the American Association of Retired People (AARP) for only $12.50 a year for US residents. They deeply discount insurance and are currently affiliated with just one insurance company and are can give you an online cheap car insurance quote. If you have a teen in the household, teenage drivers who have no driving record will have higher car insurance premiums. Young drivers are often offered discounts if they take further driver training on recognized courses, such as the Pass Plus scheme in the UK.

There are also insurance companies that offer discounts to good drivers. This is just one more reason to concentrate on driving defensively and keep focused on your driving. If you’ve always been with one company, don’t assume you’re getting the cheapest or best rate. Get quotes from other companies and compare plans. You want to closely compare the cheap car insurance quotes that you do get. Some of them may be similar but some quotes may be quite different.

Take a good look at your current insurance policy before you renew it. There may be a few things you can eliminate from the policy that would greatly reduce the cost. Most single line and multiple line companies offer good discounts and other benefits for carrying both car insurance policies and other lines of insurance in the same household.

Some car insurance companies do offer special discounts for women too so if you’re a female make sure to ask about them. You can go to insurance company websites and request free cheap car insurance quotes and you’ll need to give them some very basic, detailed information about your car insurance history, your current situation and what you need.

These are just some of the best tips that can help you save money on your auto insurance and give you an idea about what to ask and look for when you’re trying to get a cheap car insurance quote. And remember to compare as many car insurance quotes as you can find time for and you should be able to come up with some of the best, free, online, cheap car insurance quotes.