Even though car insurance is mandated by law in just about every single state, that doesn’t mean that insurance rates are reasonable. You need to have a car for getting to work and getting the kids to school, but it’s not a good idea to go without insurance entirely, either. What’s the best option for getting better, lower rates on your premiums? Sometimes the answer is as easy as just changing your provider.
Different car insurance companies determine your policy rates according to a separate set of standards. Every insurance company will have a similar set of rules they follow when looking at risk factors, but of course there will always be little differences here and there. Those differences could mean the savings of hundreds of dollars, but only if you know the right questions to ask.
For example, most insurance providers will offer a good driver discount, which means a lower price on premiums for not having any moving violations, traffic tickets or a history of accidents in your past. However, some insurance providers will also offer a discount for students who have good grades, or policyholders with higher credit scores. You never know which provider will offer these kinds of discounts, so be sure to ask when you’re getting best car insurance quotes.
Another way to drop your rates down is by purchasing all your policies through a single company. For example, if your car insurance provider also offers home insurance, why not switch so both your vehicle and your home are protected by the same company? Nearly every provider will offer a discount for multiple policies. If you and your spouse have separate insurance policies for each vehicle, you can also consider combining them under one company to become eligible for a multi-vehicle discount as well. Sometimes other vehicles can be eligible toward this discount as well, including RVs, ATVs and even boats. Again, this is not the case with every insurance provider, so it’s important to ask lots of questions before you accept a final quote.
The bottom line is that getting cheap car insurance comes down to one important step: comparing providers thoroughly. Without doing your homework and asking the right questions, you won’t have any idea whether your provider is offering you a fair quote on your car insurance or not.
A free online comparison service that just lets you enter your zip code and compare multiple providers at the same time is often the easiest way to make sure you’re getting the best rates on cheap car insurance. You should also give them a call before committing to give their customer service a test run. The last thing you want is to find out you saved a lot on premiums only to end up with a company that isn’t really helpful when you need them the most. Once you’ve found a company that delivers quality coverage, generous discounts and a nice low bottom line, just make the switch and start saving.