Thanks to higher accident rates, higher car prices, and higher repair costs, getting a cheap rate on you car insurance can be difficult. Here's how to find the best car insurance rates the easy way using the Internet.
Go Shopping
The first thing you need to do in your quest for cheap insurance rates is to go comparison shopping so you can find out which car insurance company has the best rates.
I recommend going to an insurance comparison website where you can get car insurance rate quotes from multiple companies, rather than spending hours on end visiting individual company sites to get quotes. At a comparison site all you do is fill out a simple questionnaire with your insurance information and the amount of insurance your want, then wait for your car insurance quotes.
At the best insurance comparison sites you can even talk to an insurance expert who will answer all your car insurance questions and help you get the best rate on you insurance policy. (See link below.)
Raise Your Deductible
As you fill out the insurance questionnaire make sure to request the highest deductible you can afford. Not only will this save you big bucks on your premium - up to 40% - it will also prevent you from making too many small claims which can cause your insurance company to cancel your policy.
Drop Your Coverage if You Have an Older Car
If your car is worth less than 10 times the amount you'd pay for insurance, consider dropping your comprehensive and collision coverage, as the payment you'd make on claims will usually be less than what you pay for your insurance.
Get Discounts
As you fill out the insurance questionnaire make sure to request all the discounts you're eligible for. Insurance companies offer all sorts of discounts, including:
* Multi-policy discounts for having your home and car insured with the same company.
* Multi-car discounts for having more than one car insured with the same company.
* Low mileage discounts if you drive your car less than the average driver.
* Good credit discounts for maintaining a good credit rating.
* Safe driver discounts if you haven't had an accident in the last three years.
* Senior discounts if you're retired and are 50 or older.
* Anti-theft discounts for having anti-theft devices on your car.
* Drivers education discounts for taking a drivers education or drivers training course.
* Safety discounts for having air bags, anti-lock brakes, or daytime running lights on your car.
Before you purchase your car insurance, make sure to ask the insurance company representative about all the discounts that are available to you and take advantage of them. Also, make sure you read the policy carefully, or have your representative read it to you, to make sure you're getting the coverage you need.
Visit http://www.LowerRateQuotes.com or click on the following link to get the best car insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get the best car insurance rate quotes.