How To Lower Car Insurance Rates

Check the best tactics to lower car insurance rates.  Read our list and then get car insurance quotes.

  1. Select Your Car Carefully

autoNEW - images (4)Buying a huge SUV may sound exciting, but insuring a top-of-the-line vehicle can be more expensive than insuring a small and safer lower-cost traveling car. Plus, older cars are often cheaper to insure than their more modern counterparts. Talk  with your agent/insurance company to find out the exact rates to insure the different vehicles you’re considering before making an acquisition.

  1. Insure Multiple Cars/Drivers 

If you obtain a quote from an auto insurance company to insure just one car, you might end up obtaining a higher quote (per vehicle) than if you asked about insuring several drivers and/or vehicles with that company.  Insurance companies will offer what amounts to a bulk rate because they want your business and they are willing to give you a deal if it means you will bring in more of it. To obtain a discount, ask your agent/insurance company to see if you qualify and get a quote.

  1. Keep A Clean Record

The more accidents or moving violations an individual commits, the more he or she will tend to pay in terms of annual premiums. For those unaware, points are typically assessed to a driver for moving violations. Generally speaking, more points can lead to higher insurance premiums. So, try to keep a clean driving record if you want to pay less for auto insurance.

  1. Shop Around

If your policy has just been renewed and the annual premium has gone up noticeably, consider shopping around and obtaining quotes from contending companies. Also, every year or two it probably makes sense to get quotes from other companies just in case there is a lower rate out there.
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