Top 5 Tips for Getting Cheap Car Insurance

Buying cheap car insurance is not just about getting the lowest premiums. You also need to make sure you are getting the cover and service you need. To help you find the best cheap car insurance deals here are 5 top tips.

1. Compare Quotes

Don’t just renew your insurance with your current provider. Shop around and get at least 3 or 4 quotes from different insurance companies. This will allow you to compare prices and find a better deal. You could save over 25% on your premiums by shopping around and this is easy to do online. There are a number of excellent websites that can offer you fast and effective ways to compare cheap car insurance deals from a multitude of different providers.

2. Choose the Right Cover

With any insurance product the more cover you want the more you will have to pay. If you want to get cheap car insurance you may have to compromise on cover. Insurers offer flexible policies that do allow you to pick and choose some of the elements of cover. You will need to make a quick list of the essential cover you need and be prepared to go without some of the extras if they add too much to the overall costs. Optional extras can include:

Courtesy Car – if you rely on your car for work then you may need this addition to your policy. The insurance company will provide you with a car whilst yours is off the road for repairs. However this option could add quite a bit to your overall insurance costs so only choose this if really necessary.

Breakdown Assistance – most people have separate breakdown cover these days (often provided with bank and credit card accounts) so check you are not over-insuring yourself by paying for this on your car insurance policy as well.

3. Annual Payments

The majority of insurance companies charge you interest if you pay your premiums in installments. This means in most cases you will save money simply by paying a single annual payment upfront. This is one quick and easy way to get cheap car insurance.

4. Security

You can reduce the risk associated with your car by making sure it is secure. This can include adding an alarm and immobilizer and parking it in a secure place (private driveway or garage). This can help you to get cheap car insurance deals.

5. Mileage Figures

Insurers frequently ask you how many miles you do on average in the year. This will only need to be an approximation but in general the more miles you do the higher your premiums could be. Try cutting out on any unnecessary trips and walking or cycling shorter distances. Not only will this cut down on fuel bills but it could also help you to get cheap car insurance as well.

How to Compare Cheap Car Insurance Online

If you are looking to find cheapest possible deal for car insurance, you absolutely must compare the prices from multiple insurance providers. This is the only way for you to make absolutely sure that you do not pay too much for your insurance policy.

How Do You Start Comparing Cheap Car Insurance Online?

It really is so simple to find the insurance company with the cheapest prices that anybody can do it. All you have to know is how to use the internet and if you have found your way over here, you obviously already master that skill. The process of comparing prices for your insurance online is completely free of charge and you get the results immediately.

You start by putting down some information about you, your vehicle and your driving records on a short online form. After this you will receive a list of car insurance quotes from multiple insurance providers. Now from this list it’s very easy for you to compare that which of the companies can provide you the cheapest prices for your car insurance policy.

Why do you need to fill in that information? Well, naturally the insurance companies give different prices for different people. Your age and the type of your car are definite factors when the insurance providers are trying to determine that what prices can they offer for you. Your driving records can also have an affect on the price of your auto insurance policy and that’s why most companies wish to know that.

Compare Cheap Car Insurance – Tips on How to Get the Lowest Car Insurance Quotes

When it comes to comparing the free car insurance quotes obtained online, most car owners just compare prices. Yes, it is important that you walk away with an affordable price, but cost is not the only factor you should consider when seeking cheap car insurance.

Once you have all of your cheap auto insurance quotes in an easy-to-compare format, which most comparison websites automatically compile them into; it is time to examine the coverage.

Get Enough Coverage: Sometimes, opting for your state’s minimum requirements for auto insurance is not enough. A newer car, one that you owe more money on, needs additional protection. Cheap car insurance is nothing but a waste of money in the end if you do not get the coverage you need.

Check the History of the Company: In today’s economy, many businesses are quickly folding like a deck of cards. You do not want to pay for a year’s worth of car insurance only to have the company close in 2 months. For that reason, check their financial rating. Next, place a call to insurance company and ask any questions you can think of. Your goal is to test the customer service provided; it better be good! You can also read reviews online to see what current or former clients have to say.

In short, it is more than possible to find cheap, quality auto insurance. However, you cannot base your decision solely on price because this can be a costly mistake. Request free insurance quotes online and compare quality of service, coverage, and price. By doing so, you not only get affordable car insurance, but the best value for your money.

How to Compare Cheap Car Insurance Quotes

The best advice for getting a cheap car insurance quote is to shop around, and the best advice for shopping around is to compare the car insurance quotes of each company.

There are several ways to compare cheap car insurance quotes from several car insurance companies:

Make a list. Ask your family members, friends, and even co-workers with whom you’re close about the car insurance companies they use. Chances are they’re not all doing business with the same car insurance company, so you’ll be able to get truthful reviews of several different car insurance companies. Take note of those that interest you, and forget about those that don’t.

Ask about discounts. Once you have your list of possible car insurance companies, call each one and ask about discounts. Many car insurance companies offer discounts for classes taken, good driving records, vehicle safety features, and multi-car policies. Some insurance companies sell more than just car insurance, and will offer discounts if you buy or already have other insurance policies from them. Compare the discounts offered by each as those discounts will help determine your cheap car insurance quote. Take note of the car insurance companies that offer discounts relevant to you.

Pay attention. Ideally, you’re looking for a car insurance company with which you can do business for a long time. So, the customer service must be stellar, right? As you talk to an agent from each car insurance company you call, really listen to the rapport. Are they friendly? Do they have immediate answers to your questions? Do they sound as if they’re in a hurry to end the conversation?

Price vs. Options. When you compare cheap car insurance quotes, you shouldn’t only be interested in the price – you want to get a car insurance policy that offers options you need. What’s the point in paying a cheap car insurance payment if you’re sacrificing crucial car insurance coverage and protection?

Find and Compare Cheap Car Insurance Rates Online

Before you purchase car insurance, do this first. Go online and check for cheap car insurance rates. Having access to the world wide and almost every insurance company having their own site, this has become the most efficient and convenient way to find the best deals. This is the modern way to shop and companies know that.

You can shop for the best coverage and rate while you are still in your pajamas and sipping your coffee. No haggling by a sales representative. When you do your research first you will see that many of the insurance companies make it easy for you to also view the quotes of their competition. This information may or may not be accurate.

Just because one auto insurance company claims another will be more expensive does not necessarily mean it is true. Check it out yourself to be certain. Make an informed decision. After all, if you get into an accident this will be one of the first places you call. That said, this decision is not to be made lightly.

Attempt to compare policies from different companies that have the same coverage levels. Different insurers will offer different deals for your vehicle. As the consumer, you must be aware of this. That is why it is essential to shop around first.

Some insurance companies offer a multiple car discount. This means that you have more than one vehicle under the same policy. Usually, this can save you a lot of money off your monthly premium.

There is even a discount based on your job title and educational background. No one is suggesting that you go out and get a job that will lower your auto insurance rate. It is just another way that you may get a lower rate. Just ask and see if they offer it. If they do find out if your occupation will qualify.

We all know that safety features in your car will help give you a lower rate. A lot of cars today come standard with air-bags and anti-lock brakes, but having a car alarm can help, too. Something that is also considered a safety feature that many people probably are not aware of is having global positioning system installed in your car.

Knowledge is power and the more you know about what can lower your rate the better off you will be. The more you will also be able to save. With online resources, you have the ability to compare and contrast different quotes and make an informed decision.

Cheap car insurance that is quality and fits your financial budget is easy to find. These days, many insurance companies offer their own deals for choosing their policy. Discounts are basically offered everywhere. Do not be afraid to ask what deal they have going right now and find out what discounts they offer.