Link Download Dibawah
Car insurance can be a big expense for motorists who already pay high fuel prices for regular TOTs and services and, of course, for the cost of the vehicle they drive every day.
[caption id="attachment_11" align="aligncenter" width="443"]
low cost car insurance[/caption]If you are looking for a cheaper cover, try these tips to lower your car insurance costs. There are a number of ways to reduce your car insurance costs? Whether you are male or female, old or young, follow our ten steps to lower the premiums.
Tips to get cheap car insurance
1. Shopping around
Prices vary from company to company, so it pays to shop. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department can also offer price comparisons for key insurers. (Phone numbers of the state insurance department and websites can be found on the back.)
2. Compare the car insurance costs
Before you buy a new or used car, check the insurance costs. Car insurance premiums are based in part on the price of the car, the cost of repairing it, its overall safety and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injury or theft. To help you decide which car to buy, you can get information from the Insurance Institute for Highway Safety
3. Do not put all on your policy
Make sure that only regular drivers are named in the policy. You can always add someone for a few days if they really need to drive the car.
4. Increase your voluntary deductible
Agreeing to pay more for the cost of accident repairs will lower the premiums. If you have no accident, the excess can be restored. However, be careful when trying to get it high, especially if you have a car with a lower value.
5. Buy homeowner and auto coverage from the same insurer
Many insurers give you a break if you buy two or more types of insurance. You can also get a discount if you have more than one vehicle insured at the same company. Some insurers cut prices for long-term customers. But it still makes sense to look around! You can save money on the purchase of various insurance companies, compared to a multi-policy discount.
6. Make fewer miles
Reduced kilometers mean higher savings.
For example, reducing the annual mileage of 5,000 miles could save a typical 35-year-old driver around £ 50 a year in premiums.
A cut of 10,000 miles per year could save over £ 100.
But you have to be honest about your annual mileage, as inaccuracy will jeopardize any claim.
Check your usage coverage - if you do not use your car to drive to work or business - both things that increase your premium - you might get a cheaper price.
7. Mantain a good credit card information
A solid credit history can lower your insurance costs. Most insurers use credit information to rate car insurance policies. Research shows that people who manage their credit effectively have fewer claims.
To protect your credit, you pay your bills on time, you will not get more credit than you need and keep your credit as low as possible. Check your credit records regularly and have any mistakes corrected immediately so your data is correct.
8. Pay for your car insurance annually, not monthly
Check with your insurance company, because sometimes you will be charged interest if you pay in installments.
9. Look for other reductions
Ask for discounts in the comparison store for:
Anti-theft devices
Car and homeowner cover with the same company
Students away from home
Defensive driving courses
Driver Ed courses
Good credit card information
Higher deductibles
Low annual mileage
Long-time customer
More than 1 car
No accidents in 3 years
(The discounts listed may not be available in all states or from all insurance companies)
The key to savings is not the discounts, but the final price. A company that offers few discounts may still have a lower overall price.