Discount Car Insurance
As really cheap car insurance rates become harder to find, and oil and gas prices continue to rise, consumers are looking for new ways to lower their car insurance and save money. In light of this, MyCarInsuranceRates.com has compiled a list of great tips to get and compare car insurance quotes and buy discount car insurance.
After reviewing this list, enter your zip code to begin a free car insurance quote online and see how much you can save on your policy coverage with our discount car insurance. All drivers want to find cheap car insurance nowadays, especially since buying from the right car insurance company can make it affordable. You may think that only bad or young drivers have high car insurance insurance costs, but that is not the case at all. New drivers or anyone who has never owned a car – many city dwellers for instance – will not be eligible for a no-claims bonus and can find car insurance expensive even though they’re very safe, competent and careful drivers. The following car insurance discounts may or may not apply to your policy or needs, but will provide you ways to lower your car insurance rates.
Increase Your Deductible
Increasing the deductible on your car insurance policy by a few hundred dollars is an effective way of lowering your rates. In fact, just by increasing your deductible from $500 to $1,000 can cut annual premiums by as much as fifteen percent. Adjusting your car insurance deductible is a smart way of getting cheap car insurance.
Multi-Policy Discounts
All car insurance companies offer multi-policy and multi-vehicle discounts on car insurance for individuals who have more than one vehicle or policy insured with the company. This discount also extends to customers who buy homeowners and/or life insurance policies from their auto insurance provider.
Safety Features
Every auto insurance company recognizes drivers who are safety conscious. When it comes to getting affordable auto insurance, buying or adding additional safety devices like anti-lock brakes, anti-theft or alarm systems, electronic stability control systems, traction control systems, rear parking sensors, GPS, air bags, and other devices will get you cheaper car insurance quotes. With new car purchases, be sure to mention these safety features to your insurer and save money with discount car insurance.
Student Drivers – Good Grades and Discounts
Many car insurance companies offer what is known as the “Good Student Discount”, which provides cheaper car insurance rates for students with a minimum “B” average. Insurers will also provide discounts to people who have taken advanced and/or defensive driving classes.
Payment Methods – Pay Annual Premiums
If you are financially able to, then by all means, pay your car insurance premiums upfront. Paying premiums as a single lump sum provides reasonable discounts on auto insurance rates. Car insurance companies also offer a discount for drivers who pay their premiums electronically or through checking accounts, so consider that option if you are eligible.
Clean Driving Record
Drivers with near perfect or perfect driving records often have better chances of securing cheap car insurance. As a result, by maintaining a clean record devoid of accidents, speeding tickets and parking fines, as well as following rules and regulations, auto insurance will become and remain cheap and affordable.
Car Storage – Get A Garage
Simply obtaining a lease on a garage (or building one in your home) can get you cheaper car insurance quotes, resulting in affordable discount car insurance. A garage reduces the risk of weather damage and theft, especially in urban areas with moderate to high crime rates.
Low Mileage Insurance and Discounts
If you don’t spend a lot of time behind the wheel, then maybe it’s time to consider applying for Low Mileage Insurance for infrequent drivers. People who can benefit from this discount include consumers who are retired, senior citizens, or drivers who frequently take the subway and other public means of transportation to work, walk or ride bicycles to work or operate a car pool. Low mileage discounts typically apply to drivers who commute less than 6,000 miles a year, saving them up to 15% with some car insurance companies.
Maintain A Good Credit History
Individuals with a good credit history often have better chances of finding cheap car insurance. This stability, responsibility, and discipline has also been shown to reflect a clean driving record. This means maintaining a good credit score without bad debts, late payments and loan defaults.
Car Insurance Quotes
Following the tips above will ensure drivers get discount car insurance quotes. To test our car insurance tips, MyCarInsuranceRates.com encourages drivers to enter their 5-digit zip code and get free car insurance quotes from the best auto insurance companies in the country, like Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers, AAA, AARP, and Esurance.
By comparing car insurance rates, policies, and companies, we ensure our users find the best, cheap auto insurance available in the market. Enter your zip code to begin a car insurance quote now.
