Car insurance can be expensive enough especially if you are low income, need an SR22, or have multiple drivers or multiple vehicles. There are many car insurance recommendations to obtain affordable coverage. The number one suggestion is to search for companies online to meet your needs. Online rate comparisons allow the consumer to obtain quotes from companies nationwide who will compete for your patronage. This ultimately results in discounted rates.
Other ways to lower premiums is deciding the type of coverage needed such as full coverage with liability, comprehensive, and collision or just the minimum liability requirements. Reimbursement for the towing of your vehicle if it breaks down and rental car coverage while your vehicle is in the repair shop are added expenses. Requesting a higher deductible will also help. Although it will be more out-of-pocket expense in the event of an accident, the lower premium will save money throughout the year which can be accumulated in case of an accident. However, some people pay for coverage for their whole life and never file a claim.
Most companies will cut their rates if you have more than one vehicle to be insured, or if you have a vehicle and your home insured with the same company.
Some companies offer agreements for the driver to sign to reduce premiums. An example is an agreement not to drink and drive.
The insured can show certification from attending a driving education course to receive discounts.
Car pooling and low mileage driving both result in lower rates.
Companies offer discounts if insured vehicles include safety features such as anti-lock brakes, air bags, seat belts, and disabling devices.
Check with the company to see if they offer discounts at different ages. Most companies automatically discount policies when the insured reaches 18 and 25 years of age. Other companies have senior citizen rates since seniors tend to drive less often.
Obtaining coverage used to be a very time consuming and overwhelming task. Many times it was a matter of spending a whole day going through the phone book calling local companies to obtain quotes. Modern technology has allowed the consumer to spend just a few minutes online to obtain quotes from numerous companies. It’s fast, easy, and you don’t have to supply personal information such as driver’s license and social security number if you prefer not to. Securing online quotes nationwide is as easy as turning on your computer.
