Saturday, January 19, 2008

How to Get Cheap Auto Insurance - The 6 Simple Tips To The Cheapest Auto Insurance

Everyone wants the cheapest auto insurance . Everyone is constantly looking comparing this auto insurance provider with this one. It s almost like a parlor game, isn t it. I ve done it too. If you ve ever gotten a speeding ticket or have a young teenager itching to drive that you ve just added to your policy, or if you ve been involved in an accident, it can get more and more expensive, can t it? Auto insurance is too expensive. You re not alone. it s true for almost every American family. Not surprisingly, many are always looking to get cheap auto insurance -- why do you think you see the constant stream of various car insurance commercials? Geico, 21st Century, Farmers, Mercury, and on and on it goes. The problem for discounts, however, is quality. Many ask is, Is this cheap auto insurance worth buying? What kind of coverage do I have to sacrifice for a cheaper premium? What is a small bi-yearly or yearly or monthly bill can become astonishingly high if you cheat on your deductible coverage or coverage amount. You need to therefore really search the different companies for the best, most comprehensive policy. Hope is here. There are good companies out there. There are tips to follow so as to get the cheapest auto insurance possible. Here are my recommendations you should follow when looking for the best cheap car insurance: 1. Consider your car. It is a sports car? You should be aware that sports cars are more often stolen and certain colors also contribute toward a higher premiums. Think about getting something more conservative 2. Every year, re-examine your plan. Look if you can t reduce costs further. You probably can. Call the auto insurance company and ask about the things you don t understand. Most are very helpful as they don t want to lose business for the company and most of their calls are recorded. I ve never had a bad customer service call yet with auto insurance companies for they know people are always shopping and comparing. 3. Drive safer and drive legal. I know this sounds simple but if you think about it, you can probably reduce the risk you have if you resolve to drive safer. This means you avoid accidents and over time, years build up. When you can say, I ve not had a ticket or an accident since March 1996, that looks good to an auto insurance provider. 4. I m all for loyalty but in business, remember: companies are loyal to their bottom line, not yours. No matter how long you ve been with a car insurance company, even if it s your Uncle Fred, don t just renew without thinking about it. Look around. Ask for a discount. It s always a buyer s market when it comes to auto insurance. Additionally, there are many online discount car insurance brokers now that give you quick quotes, not only for their company but for all the major ones as well. Progressive Insurance does this. If you apply a little diligence, this will help you find the cheapest car insurance possible for you. 5. Pay very, very close attention to your deductible amount on all the different points. What is the deductible amount? It s the amount of money you pay out of pocket on any claim. Here s a simple tip. If you are a good driver with a great driving record, then I think you should seriously consider establishing a large amount of money for the deductible in the event of a claim as this will lower your rate as you take more of the risk. The car insurance company rewards you for taking more of the risk by lowering the amount for that particular policy point. 6. Look at offers in the mail. Companies spend a lot of money on direct mail campaigns. They often put together great offers for just that mailing in order to spike business. Because of this simple idea (and I almost always throw direct mail away), I literally lowered my auto insurance premiums by half -- I m not kidding -- while actually increasing the coverage on certain policy points! Conclusion I m confident that if you apply these simple ideas, you will significantly lower your car insurance costs. Following these straightforward, easy tips will allow you to find a cheap car insurance policy for you. You can save money with free online auto insurance quotes by visiting the Web site here , a popular auto insurance website that provides advice, tips, and resources to include on how you can save on your car insurance.

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