Don’t hesitate to shop around when you are looking for car insurance. Prices can vary based on what you need. If you want to save big, here are some tips to help you get started.
Get Multiple Quotes
People often think that multiple quotes mean two or three and pick the best of the group. They assume that all insurance providers are basically the same. However, this is not true and you can find variances by several hundreds of dollars if you take the time to look.
Use a comparison site to allow them to find you the best rates. They shop numerous companies and bring you back many quotes based on your location. This can save you more time while still not limiting your search. You never know when a company that you might overlook could offer you really cheap auto insurance.
Ask for Discounts
Once you have obtained your multiple quotes, you can begin talking to the agents. Ask them if there are any other discounts that you can get to reduce the price even further. You never know when one discount could make a policy cheaper even though it wasn’t as low in price to begin with.
Also ask about combining policies. You can often find that it is cheaper to move all of your insurance business to the same company. Companies often give you discounts to have all of your business. However, you also don’t want to limit your choices because you already have coverage for your home or other policies in place.
Find Special Policies
Don’t assume everyone is going to charge the same for a driver with multiple claims or driving violations. Some companies specialize in this type of driver and can offer better rates. You may also find that one company is cheaper on a higher deductible but higher in price for low deductibles. It is best to play around with the quotes to try different scenarios.
Know Your Budget
Before you even begin looking for cheap auto insurance, know what your budget is and don’t go over it. You can adjust your coverage and deductible to stay within that budget. Also, try to save back more money for the deductible and move it up in your policy. This will often lower your rates and save you money. You don’t want to have a high deductible unless you have the money saved because you can find yourself in trouble if you should have an accident.
Review Your Policy
Once you have a policy in place, review it at least once a year to make sure it is still the best policy for you. Insurance prices change and you might find a new provider now offers a better rate than your current provider. Your renewal time is a good time for re-evaluation to make sure you are still getting the best deal on cheap auto insurance.