Tips On Getting Lowest Car Insurance Rates
May 20, 2009 by
Filed under Car Insurance Facts, Car Insurance Quotes, Online Car Insurance
When it comes to finding the lowest car insurance rates you need to have your wits about you. Not all car insurance companies charge the same premiums. As well, costs can differ depending on the city and/or state you live in.
Read on for some tips as to how to get car insurance that is as low as possible and will not take too big a chunk out of your monthly budget!
1. Purchase your house (or apartment) insurance at the same company that you insure your vehicle with. While it is not necessarily standard across the board, there are many insurance providers that will offer you a 10 percent discount when you place your home and car with them. It is wise to check this out before you commit to anything however.
2. You have probably heard this one many times before but it bears being repeated. When you take out a vehicle insurance policy, raise your deductible. This will help to lower the overall price you pay on your insurance. In particular, collision coverage is very pricey. You might want to raise this aspect of your coverage as soon as possible.
3. Before you buy a car, find out which types are easiest to insure and can net you the lowest car insurance. For example, four door vehicles generally are cheaper to insure than two door vehicles are. Cars that fall into the high risk category will be hard to insure and you will pay a lot because they are deemed racing cars (of a sort). Examples of these include a Porsche or a Corvette. In the same way, trucks are generally more expensive to insure than cars. If you buy a sport utility vehicle (SUV) for example, you can expect to pay high insurance fees, with the exception of the very smallest kinds.
4. Take care not to get into any accidents or have any driving violations. This is easier said than done but for the lowest car insurance rates around it helps to drive as defensively as possible. In most cases if you are involved in an accident with your car, your insurance rates will go up even if it was not your fault. This may not seem fair but it is often the case.
It is not uncommon for an insurance company to offer a five percent discount to a client who has maintained a clean driving record for at least a period of three years. This could increase to a 10 percent discount if you pass the five year mark with no accidents. If that is not an incentive to drive responsibly then what is?!