With the cost
of car insurance becoming more and more of an issue for the average
American family, there are increasing numbers of people looking
for cheap car insurance. But although it is possible to find cheap
car insurance, the question remains, is it worth buying?
Everyone knows that car insurance companies are not all equal. Cheap
car insurance is wonderful when paying the bill, but make a mistake
on the company you select and you could find that the cheap car
insurance policy that you found may turn into a nightmare. Cheap
car insurance may not turn out to be so attractive when making a
So if you have found a discount car insurance broker donít just
take the cheapest quote that you get. You need to find out a little
about the insurance company that is offering the cheap car insurance
And thereís ways to reduce the cost of your car insurance even with
the best of companies. Here are some tips for those looking for
cheap car insurance to help reduce the cost of car insurance without
compromising other things.
7 Cheap Car Insurance Tips
1.Look at your deductible amount. This is the amount that you pay
first out of any claim. The cost of your policy is directly related
to this amount. Many people, particularly those who have had their
insurance policy for a long time, have never considered whether
they ought to vary their deductible. If you have a good driving
record and are prepared to increase the risk of paying a larger
amount in the event of a (hopefully unlikely) claim you can save
money by increasing your deductible.
2.Have a look at the type of car you drive. Certain types of cars
attract higher car insurance rates. Cars such as sports cars and
also certain makes and models that are prime theft candidates cost
more to insure. If you are buying a car then find out which makes
and models these are before you buy.
3.Drive carefully. Although it sounds a little trite to say it,
your car insurance cost is a factor of your risk profile. You wonít
get cheap car insurance if you have had 3 speeding fines and 2 accidents
in the last year. These things are all taken into account and you
should take care with how you drive. It all adds up onto your bill.
There are big safe driver discounts available.
4.Considering installing safety and anti theft devices in your car.
Again these affect your risk profile. If you have a car that is
safer and less at risk of theft it should be cheaper to insure.
And if you have a car with certain safety devices now check that
your insurance company is aware of these, if not tell them.
5.Look at your policy when it comes to renewal time, donít just
pay. There are some things that you can vary in your policy that
will affect the cost. Often there are some things there which duplicate
other insurance that you may have that can be eliminated. Be critical,
look carefully and ask questions about all these before you renew
6.Have a look at who your other insurers are. Many insurers offer
a discount for multiple policies. If you insure your house with
a certain company then ring them up and find out if they do car
insurance. Get a quote from them. Find out what discounts they offer.
7.Find a good online discount car insurance broker before renewing.
The internet is a fabulous resource. Use it. There are all sorts
of discount insurance brokers online where you can get fast quotes
from a wide range of companies. Donít just settle for the same company
you always use. Car insurance rates vary all the time. Always get
comparable quotes before renewing any policy.
So if youíre in the market for cheap car insurance thereís some
ideas for you. Donít just accept that car insurance is always prohibitively
expensive, get out there and do something about it.
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