There is no reason to overpay for your car insurance policy when there are a lot of potential discounts that the car insurance companies are currently offering.
Knowing what they are and how to qualify for them can assure that you get a low cost auto insurance quote from every company you apply to.
Below is a description of the top three discounts being offered so that you can get the lowest quotes possible.
1) The loyalty discount.
This one is simple and every insurance company out there offers it.
Most people already have some type of insurance policy besides car insurance.
If you have life, renters, business or any other type of insurance coverage with a certain company, you can usually get the lowest quotes for auto insurance from that company.
The insurance companies want to maximize the amount of policies they provide to their current customers so use this to your advantage.
2) A clean driving record goes a long way.
Make sure to drive safely and obey all traffic laws so that you keep your driving record totally clean.
In order to get the lowest auto quotes possible, you need to have a squeaky clean driving abstract.
If there are current blemishes on your record, it may be worth your while to hire a lawyer to try to have them removed.
3) High deductible.
Of course, there is a negative to opting for a high deductible - you have to pay more out of pocket if you ever make a claim on your policy.
However, if you are a safe driver, the odds of making a claim are low.
High deductibles lower quotes dramatically.