5 Secrets of Finding Affordable Auto Insurance

Don’t be disheartened by car insurance quotes that are through the roof. With our FREE quote comparison tool, you can finally find affordable auto insurance!

With practice, dedication, and these tips, you’ll be sure to compare rates from reliable auto insurance companies, and find one that fits your budget in no time.

Try our FREE search tool today to see who might offer more affordable auto insurance for you!

Here are 5 secrets to finding the most affordable auto insurance:

Secret #1: Be Difficult

Do your homework and shop around for car insurance. Don’t be willing to accept rates you are initially quoted. Start a conversation with insurance agents and customer service and stand your ground when making demands or requests.

Shopping for car insurance can be easy, but don’t take the easy way out. There are plenty of Internet resources for finding FREE auto insurance quotes, but your best bet may to actually get someone on the phone to talk with.

Getting quick quotes is a simple way of getting one-size-fits-all insurance. But most of the time auto insurance companies can and will overcharge you if they do not know about all relevant entire life and financial circumstances.

Call several auto insurance companies and go through every detail that would be pertinent in helping you get a better rate. Can you pre-pay your insurance premiums? Say so, since it could save you money.

Ask about if that insurer has family and employer discounts or if they give low rates if you have taken a defensive driving course. Take note of what benefits different types of auto insurance plans offer.

Being difficult can be time-consuming but can also save you a boatload of cash. However, keep in mind that being difficult doesn’t mean being belligerent .It is best to be as nice and polite as possible. Treat the person on the other end of the phone equivalent to how you wish to be treated.

Secret #2: Be Boring

Being boring may not help you improve your love life, but it sure will help you get better car insurance rates and better coverage. Instead of driving that Corvette or Ferrari to work, choose a car make and model that isn’t too flashy. Insurance companies factor in safety and theft statistics of all makes and models when giving you a quote.

If you ditch that sports car for a standard four-door sedan, the car insurance company will keep its premiums low for you. You don’t have to drive your Grandpa’s old run-down car. Auto insurance costs can increase when your vehicle is larger, more exotic, and more luxurious.

Don’t just be boring in the selection of your vehicle. You’ll want to be boring behind the wheel, too. Don’t drag-race, tailgate, speed, or drive aggressively. The chances of you getting a ticket and a black mark on your driving record will skyrocket exponentially.

Keep a clean record and your wallet – as well as your passengers and your conscience – will thank you. Accidents can affect your insurance rates for several years, and even one accident or driving incident can jack your rates up for life.

Secret #3: Be Proactive

If you already have car insurance, there are always opportunities for you to save more money on your premiums.

If you’re unsatisfied with your rates, shop around. Check auto insurance reviews to find the best companies. Call the insurance carrier you are with now and ask for a discount. Depending on how long you have been with the insurance company and how good your driving record is, you may save hundreds with a loyalty or good driver discount with just one phone call.

Companies also give auto insurance discounts for taking safe-driving classes and cut premiums for teenagers who get good grades.

If these deals are insufficient, consider switching to another carrier. Contact other auto insurance companies and evaluate their offerings. You can even tell them that you are paying a certain amount with another carrier and ask them if they can beat that rate.

You can even use these quotes from other companies as leverage when negotiating with your original carrier.

Secret #4: Be Frugal

Good credit can and will save you hundreds of dollars a year in car insurance rates. If you have good credit, do your best to keep your credit standing high. If you don’t, try to improve your credit score.

A credit score is a number between 300 and 850 that summarizes your creditworthiness. Insurance companies will give those with higher credit scores lower rates because they usually pay bills on time and are more stable.

Boosting your credit score isn’t hard. Pay your bills for your mortgage, credit cards, and other loans on time. Use as little of your lines of credit as possible.

Maxing out your credit cards will negatively affect your credit. Keeping lines of credit and bank accounts open for long periods of time will also improve your credit score.

If you have bad credit, it will be worth it to improve your credit rating. If you need to have car insurance now, work on your credit for several months and then ask for your carrier to reevaluate your credit and your premiums.

Secret #5: Be a Consolidator

If you have multiple family members who all require insurance, or several types of insurance, it could be beneficial to fit them all into one package with the same carrier.

Insurance companies usually give discounts if you put members of family all on the same plan or if you consolidate all your different types of insurance.

Insuring everything together means that you don’t have to worry about your auto, life, health, and home insurance individually. The packaged insurance can make it easier and simpler for you to pay bills or file claims. Find the right company for your needs with our FREE quote comparison tool!

Lighten up! Affordable auto insurance is right around the corner. With these secrets in your pocket, you’ll be sure to nab the best rates. Remember, when you are shopping for auto insurance, you’re in the driver’s seat, not the companies! Take control of your future by comparing quote from companies in your area with our FREE auto insurance comparison search!