The Best Ways to Get a Low Auto Insurance Quote and Rate
When shopping for car insurance quotes and premiums, there are a few things you should keep in mind when trying to get affordable rates that don’t seem as important as they are. Best Auto insurance is here to help, and the following list we compiled contains tips from the best auto insurance companies on how to lower your car insurance premium and rate. To get information on how a policy is priced check out our pricing resource.
While this may sound like a no-brainer, many people do not even attempt to get quotes from a second company when they find a car insurance rate they can afford. Thankfully here at Best Auto Insurance we have done that for you. Our free quote system gives you a variety of all the best auto insurance companies to choose from. Without doing any additional research you’re saving money and getting a free quote.
Ask for Higher Deductibles
The higher your deductible for your auto insurance policy, the less you pay annually. A deductible of $1000 can save you about 40% in annual costs compared to the average. Be aware though, that if you get into an accident you’re going to have to pay the $1000 deductible right away, so you need to have the deductible on hand.
Drive an Older Car
Having an older car that is worth less value in turn makes your car insurance premium lower. In addition older cars tend to be less expensive to fix so your comprehensive and collision coverage potentially are much lower in your policy and therefore make your auto insurance premium lower.
Buy your Car Insurance and Health Insurance from the same Company
Many insurance companies will lower your cost for your premium if you purchase multiple policies from them. At Best Auto we not only allow you to compare multiple auto insurance quotes, but we also work closely with those companies that sell health insurance. If you are looking for a health plan feel free to visit the link to the left.
Maintain a Good Credit Score
Having a good credit history is essential not only for getting a cheaper auto insurance policy, but also very important for leasing or buying a new car. Insurance companies give less expensive rates to customers who have proven that they are capable of paying bills on time. When an insurance company looks at your credit, they hope to see low balances and consistent payments. Make sure any discrepancies in your record are settled and check your score often.
Some companies will give you a lower car insurance rate if you are eligible for a group plan from your work, or a social club or business group. Not only companies provide this for you, but best auto features the majority of companies that do, so that you can get the least expensive, most comprehensive car insurance for your needs.
Low Mileage and Good Driver Discounts
Many insurers also lower premiums for special discounts. Among the most popular discounts are the low mileage and good driver discounts. If you drive less miles per year than the average driver, you are less at risk for an accident, and an auto insurance company will lower the cost of your policy. In addition if you have a clean driving record or have taken a defensive driving class, you are deemed a safer driver and therefore are less of a risk to insure. Some companies will even give you a discount for having a professional degree or living in a specific neighborhood. Your free quote provided at best auto is a great starting point, but keep these tips in mind when signing up for your policy as they may help get you a cheaper premium.
Other Discounts to ask for
Here is a list of other discounts to ask for when finding your auto insurance policy:
- $500 deductible
- $1,000 deductible
- More than 1 car
- No Accidents in 3 Years
- No Moving Violations in 3 Years
- Driver Training Courses
- Defensive Driving Courses
- Anti-Theft Devices
- Low Annual Mileage
- Air Bags
- Anti-Lock Brakes
- Daytime Running Lights
- Student Drivers with Good Grades
- Auto and Homeowners Coverage with the Same Company
- College Students away from Home
- Long-Time Customer
- Other Discounts