How To Get Cheaper Auto Insurance

How To Get Cheaper Auto Insurance


How To Get Cheaper Auto Insurance Tip #1
Your neighbor has newer cars, more drivers, more traffic tickets, been involved in more accidents and may have way lower car insurance rates that you do. Why? See below.

 

Knowing all of the car insurance discounts available to you.

Just a few of the many discounts that you should ask for... good driver, good grades, multi-driver, multiple-car, AAA member, traffic school, defensive driving class completion, home owners insurance, renters insurance, military, anti-lock brakes, multiple air bags, current insurance higher coverage amounts, education degrees attained, daytime running headlights, side-impact air bags. Remember to ask about the "level" of anti-theft device that you vehicles are receiving insurance discounts. There are about ten different grades of discounts ranging from the lowest, an audible alarm, to the highest, more advanced vehicle recovery devices (i.e. LowJack or OnStar). Also, "The Club" does not count as an anti-theft device for an insurance discount by most car insurance companies.


How To Get Cheaper Auto Insurance Tip #2
Countless drivers waste thousands of dollars having "full coverage" on old cars.

 

Should I have "Full Coverage" on my 2006 Hyundai Sonata?

The term "full coverage" is used by motorists to describe fully insuring a vehicle with both "comprehensive" (which covers everything that could happen to your vehicle except for you causing an at-fault accident) and "collision" coverages (which covers the other party's vehicle/property damage and bodily injury if you cause an at-fault accident). Having collision only coverage typically is referred to as "liability" or "plpd". Note that (with collision only coverage) if anything would happen to your vehicle - hail damage, theft, or even an at-fault accident - YOU would be responsible for the repair of your vehicle. Is it worth it to have "full coverage" on a 2006 Hyundai Sonata with 194,000 miles? Probably not. Anytime the replacement cost of your vehicle is equal to or less than your deductible, it would be financially irresponsible to continually fully insuring the vehicle. Antique, historical, vintage and specialty cars are the exception.The term "full coverage" is used by motorists to describe fully insuring a vehicle with both "comprehensive" (which covers everything that could happen to your vehicle except for you causing an at-fault accident) and "collision" coverages (which covers the other party's vehicle/property damage and bodily injury if you cause an at-fault accident). Having collision only coverage typically is referred to as "liability" or "plpd". Note that (with collision only coverage) if anything would happen to your vehicle - hail damage, theft, or even an at-fault accident - YOU would be responsible for the repair of your vehicle. Is it worth it to have "full coverage" on a 2006 Hyundai Sonata with 194,000 miles? Probably not. Anytime the replacement cost of your vehicle is equal to or less than your deductible, it would be financially irresponsible to continually fully insuring the vehicle. Antique, historical, vintage and specialty cars are the exception.

 

 
The plan of How To Get Cheaper Auto Insurance is very simple if you follow a few simple rules
including: Getting a new auto insurance quote EVERY year, as *the average savings of switching to a new auto insurer is $368.00 - source:NerdWallet.com

How To Get Cheaper Auto Insurance Tip #3
Many of the 100,000+ people that are shopping around for auto insurance everyday online are in a crisis situation, meaning that their insurance has either just expired or that they have received a letter in the mail from their car insurance company is not going to renew their policy.

 

Shop early or pay more - NOW and later.

The desired start date you prefer for a new car insurance policy is a CRITICAL choice. The further away in the future (7 days or more from today), the better the rate you will receive. More immediate start dates (like today or tomorrow) causes every insurance company to scrutinize your application (more or less wondering "Why does s/he need insurance so fast?" or "What happened with his/her last insurance provider?"). With immediate insurance requests, (crisis situation or not) typically you will receive higher priced car insurance quotes and possibly higher premiums for years to come.