In this era of instant data communication, it is quick and easy to get car quotes online. Finding a policy you can afford is virtually guaranteed when companies bid for your business, and you can then compare price quotes to find the cheapest policy for your needs and budget.
Online price quotes are based on several individual parameters such as the number of miles that you drive annually, your driving record, your credit score, the type of car you drive and the car’s safety rating, the amount of the deductible on your policy, the amount of liability coverage you choose, your age, how expensive your car is, and several other factors. Here are several things to think about when picking your options when getting policy quotes online.
1. One of the highest ranking factors in determining the cost of your premiums involves the amount of your deductible. You can save 15-20% on your premiums simply by raising your deductible from $250 to $500. This is a tremendous savings that can be critical if your budget is tight. Raising your deductible even more, to $1000, will save even more.
2. Avoid making small claims, and pay them out of your pocket instead. If you file a claim to get every little ding and scratch repaired, your rates will become very high very fast. The money you save on your premiums by fixing it yourself will more than pay for the repairs.
3. If you can lower the number of miles you drive each year, you will lower your premiums, since rates are greatly affected by this number. Use other means of getting to work like car pooling, ride the bus or subway, or walk when possible to lower your premiums.
4. Taking an accredited Driver Safety course and passing it will qualify you for safe driver discounts with many companies
5. Safer cars like Volvos and Honda Civics are way less expensive to insure than expensive sports cars and SUVs. Keep this in mind when you purchase a vehicle if your budget is tight.
6. If you have more than one vehicle, carry them on the same policy, and also bundle your homeowniers policy and your automobile policy with the same company. The savings can be considerable.
The best way to find cheap auto insurance is to use a free service on the internet that will quickly give you 5 insurance price quotes from companies that bid for your business. This insures you find the cheapest policy possible.
Finding an affordable auto iPolicy is fast, easy, and safe. The service is free, and let you compare rates and make an informed decision before you buy.
