Get The Best, Cheap Car Insurance Quotes

It’s easy to lower your auto insurance premiums by hundreds of dollars if you shop around, get all the discounts you deserve, and know a few key strategies that can cut your costs even further. Several large insurance companies are in the midst of changing the way they calculate car insurance rates, which can make it a particularly good time to check out your auto insurance options. By following our tips below and comparing rates online, MyCarInsuranceRates.com can help you get the best, cheap car insurance quotes for you and your family’s insurance needs.

Ways To Lower My Car Insurance Rates and Get Cheap Online Quotes

• Compare rates from several car insurance companies with free online quotes. The price range can be huge for the exact same person, and the insurer that offers your neighbor the best rate may actually be the most expensive one for you. Shop around online for the most convenience. Only switch insurers, though, if you can cut your costs significantly. Otherwise, you may lose a valuable claims-free or long-term customer discount and be more likely to get punished if you have a ticket or an accident.

• Raise your deductible to at least $1,000 for comprehensive and collision coverage, or drop that coverage entirely if your car is only worth a few thousand dollars. Boost your liability coverage to at least $100,00 per person/$250,000 per accident/$100,000 for property damage, limit medical payments coverage to $1,000 to $5,000 and make sure you get credit all of the discounts you deserve. Check out your car’s safety rating before you buy.

• Improve your credit score, which now makes a big difference in your auto insurance rates. Order free credit reports to potential fix any errors or get tips on improving the number.

• A few key moves can cut your teenager’s rate in half. The following list will help you get cheap car insurance for your teenager:
  • Keep your child on your own policy;
  • Pair him with a safe car, only make him an occasional driver;
  • Raise deductibles as high as you can (or drop comprehensive and collision coverage entirely if it’s an inexpensive car);
  • Sign up for driver’s education or any special programs the insurer offers to improve kid’s driving and lower rates;
  • Make sure he maintains good grades;
  • Have everyone in the household be particularly careful to avoid accidents and tickets when you have a teenage driver (which can boost the rates for everyone); and
  • Let the insurance company know if he moves more than 100 miles away for college and doesn’t take his car.

• If you apply a low down payment when you buy your car, extend your loan over five years or more, and have a car that depreciates quickly, then your insurance may not be enough to pay off your loan if you total your car. In that case, considering buying inexpensive “gap coverage” that can make up the difference for a few years.

• Don’t ever drop your coverage entirely if you won’t be driving for awhile. Insurers typically boost rates or make it tough to get new coverage if you’ve gone for awhile without insurance. Either drop everything but comprehensive coverage (if allowed in your state), which will cover your car if it’s stolen or damaged while in storage, or reduce your liability limits and raise your deductibles as high as they’ll go and see if you can get a low-mileage discount while you’re gone.

• If you sell your car, buy a non-owner policy, which will cover you if you borrow or rent a car, and can make it easier to start up new coverage when you start driving your own car again.

Car Insurance Quotes

Shop around for car insurance quotes at MyCarInsuranceRates.com. Enter your 5-digit zip code and a list of the top insurance companies in your state will provide you with the best, cheap car insurance quotes to help make your decision.

By comparing multiple car insurance quotes online, we help U.S. drivers save money with cheaper rates and better coverage. Enter your zip code to begin a free online quote now.