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Low Cost Auto Insurance Tips

If you are part of the average American family, chances are that the cost of car insurance is becoming more and more of an issue for you. Well, likewise, there are a growing number of people looking for low cost auto insurance. However, certain questions remain regarding the worth of the low cost auto insurance policy that you are buying.

After all, low cost auto insurance is wonderful when paying the bill, but a mistake while choosing the car insurance company could land you in a nightmare. So when it comes to car insurance, don’t just take the cheapest quote you get. You need to find out a little about the insurance company that is offering the low cost auto insurance – that’s step 1.

Step 2 is to find ways that may help reduce your car insurance costs without compromising on the coverage. So here are our tips:

  • Look at your deductible amount, because this is the amount to which the cost of your policy is directly related. In short, a higher deductible amount means a cheaper insurance policy. So if you have a good driving record and are prepared to pay a higher amount in the event of a claim you can save money by increasing your deductible.
  • Certain types of cars cost more to insure. Keep in mind that certain types of cars – such as sports cars and the more unusual and expensive models — cost more to insure. So it is wisest to find out which makes and models these are before you buy car insurance.
  • Be safe. This may sound obvious, but drive carefully. After all, your driving record is likely to significantly impact your car insurance risk profile. So if you’ve had multiple accidents or bookings in the recent past, chances are you won’t get low cost auto insurance. Moreover, safe drivers can be eligible for high discounts.
  • Install safety and anti theft devices in your car. Once again, these affect your risk profile. If your car is less at risk of theft it should be cheaper to insure, so make sure your car insurance company knows about the devices you install.
  • Review policy carefully. When it comes to renewing your car insurance, review the terms instead of blindly paying. You may find that certain coverage areas overlap with those in any other insurance policy that you may have bought, so these can be eliminated from your car insurance, thereby reducing the cost.
  • Shop around. Once again at renewal time, browse the Net to see if you can find a good discount car insurance broker who can provide you with quotes from a wide range of companies. Remember that car insurance rates can vary as much as 300% between companies for the same coverage areas. You can thus save hundreds of dollars a year by comparing rates. Also, your current car insurance company may have lower rates for new customers that you may be able to negotiate for yourself as a valued customer.
  • Bundle up. Many insurers offer discounts for multiple policies. In other words, if you insure your house with a certain company and approach them for car insurance as well, you may well find yourself facing a large discount offer.
  • Reduce drive time. Drivers who average 40 miles or less a day qualify for low mileage discounts with most car insurance companies. If you don’t fall in this bracket, consider carpooling a couple of days a week to reduce your car’s mileage. Also, flying or taking a train instead of driving can help you further reduce the miles.

One final myth-buster: people always say car insurance is hugely expensive, but you have a chance to rectify that if you are smart enough to explore all the low cost auto insurance options. So get cracking today!

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