With the current economic climate, we’re all looking for ways to save money on their car insurance. A lot of the questions we get here at Insurance Align deal with the best ways to find cheap auto insurance. People want to know! We’ve compiled a list to help you save on your next car insurance policy. Let’s start now:
Theft Devices: Extra safety features are ways to earn discounts on your auto insurance premium. Most new cars these days come with standard features that are accepted by your auto insurance company for discount. Check with your current car insurance agent and see what you’re eligible for!
Multi-Car Discounts: Insuring multiple cars on one policy can save you more money that you think. For some auto insurance companies, insuring two cars can cost nearly the same as one. If you’re not using one of the cars, keep liability coverage on your car and you’ll be surprised, you’ll probably save the difference!
Six Months Vs A Year: Choosing a policy that expires in 12 months over 6 months will most certainly save you money. If you’re getting an online auto insurance quote, check what the difference in price is over a year. If you’ve got a great rate, lock it in for a year and save!
I’m Not Driving A Car: Easy. Look into comprehensive storage coverage. This will help you save on your car insurance premiums. If you’re not driving it, the risk is less likely and the cost will be less as well.
Check with your auto insurance agent to see how it will affect your policy!
Know Your Milage: One of the best ways to find your cheap car insurance. If your “miles to work” is getting close to the agreed limits, make sure you call your agent. If you’re a considerable amount under, also make a call to your auto insurance agent.
Ask about Special Group Discounts: If you’re with a certain group or organization, let your auto insurance agent know. There are discounts available if you’re affiliated with certain credit unions, college associations, or even something as simple as a credit card. Make a call to your car insurance agent and ask!
Lower Your Coverages: If you want to lower your standard coverages such as comprehensive, liability, collision or medical payments, call your auto insurance agent and go over different options. Most bank loans require up to one thousand dollar deductible for your financed vehicle. Just remember, in the event of an accident, you’ll be out that much money. Find your level of comfort through different options.
Pay Your Bill With EFT: There are often processing fees for something as simple as mailing in a payment or paying over the phone with your credit card. Budget your money well and set aside the appropriate amount every month for your auto insurance payment through an electronic funds transfer. You could save over $60 a year with this simple technique.
Take Defensive Driving: Defensive driving courses are easier now more than ever. You can take them from your computer and not have to step foot in a classroom. Ask your car insurance agent what kind of discounts
on your premium this can provide. Make sure it’s worth your time and money and move forward to find cheap car insurance!
Think Multi-Policies: Insurance companies today will offer big discounts to have more than one of your policies with their company. Check with your auto insurance agent. You might be able to find up to a 20% discount!
Know Your Credit Score: Having good credit is a big factor that determines what you pay for your car insurance. Auto insurance companies use your credit to rate your risk. If you’re having trouble with your credit, click here. Credit counseling may be of great assistance!
Don’t Have Teen Drivers: That’s a joke of course. Insuring a teen to drive on your policy will shock you when you see the cost. Most auto insurance companies will offer significant discounts for those teens who complete drivers education and earn good grades. Yep, good grades from your teen can save you money. Check with your car insurance agent to find out if your teen is eligible for discounts!
Rental Car Coverage: If you are insured with collision and comprehensive on your current policy, you may want to think before adding rental coverage to your auto insurance policy. Depending on your state, you’re covered in a rent car just as much as you are in your own vehicle. Check with your agent!
State Insurance Commissioner: If you’ve been looking for cheap auto insurance and just can’t find it, chances are you are deemed “high risk.” Call your state insurance commissioner and ask about insurance for high risk individuals to help get you back on the right track. You may not have the best coverage, but you will be able to save money until you get back on your feet again.
Use Insurance Align: You’ve already found us, now use us to find your cheap car insurance. Just put your zip code in the box above and we will list top providers in your area. You can get quotes from all of them and
compare prices. We want you to save money on your car insurance!