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How to Get the Lowest Car Insurance Rates

how to get lowest car insurance rates

In the US alone, around $215 million drivers carry car insurance. In many states, it is a legal requirement. If you have ever insured a car, you probably also know how expensive it can be.

With a little work, you can get prices down. Read on as we discuss how to lower the price of car insurance.

Shop Around for Car Insurance

Getting the best price needs to be done in advance. If you leave it until the last minute, you simply don’t have time to look for the best auto insurance deals. You need to compare prices from a range of companies.

In addition to this, just because one company is cheap for one individual, does not mean it will be for you. Insurance companies take into account a range of personal details and value certain factors differently from other companies. This can mean your friend gets offered a great deal, while your offer could be high.

Bundle Insurance

Most households have a range of insurance policies. They include extra drivers, home and contents insurance, and even accident insurance. Individually, these policies don’t amount to much, but together they are worth a lot.

Speak to an insurer about taking all of your insurances in one big package. This can often work out a lot cheaper, as it is a bigger commission for them.

Raise Your Deductible

The deductible is the amount you pay for an accident before the policy takes effect. For example, if you had an accident and needed $2000 to cover it, but your deductible was $500, then you foot the first amount and the insurance would give the other $1500.

The more deductible you agree to pay, the cheaper your insurance amount will be. However, you should only raise this to a sum you know you could afford. This works better for careful drivers, who know they have a very small chance of being involved in an accident.

Consider Your Vehicle

An insurance team will also look carefully at the type of vehicle you are insuring, as should you. Cars are made for different purposes, with varying accident histories, levels of power, and safety records. More expensive cars also cost a lot more to repair, pushing insurance up further.

To get low insurance, consider your car. A small engined family hybrid, for example, is going to have a much lower insurance cost than a nifty street racer.

Ask For Discounts

As well as bundling with insurance companies, there are a number of other discounts you can ask for. Make sure the provider knows if you have a clean license, will receive documents online or if you are a member of a professional organization. Finally, always remember it will be cheaper to pay for the year in full rather than installments.

Do the Research

In summary, you need to do the research on car insurance way in advance. Make sure you have some benefits so you can ask for discounts, and try to pay in full.

Insured ASAP can take a lot of the strain from your search. We compare insurance from a range of providers to get you the best deal. Contact us here for assistance and one of our representatives will get back to you as soon as possible.

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