How to Find Cheap Car Insurance
- 1). Look for good driving discounts. The easiest way to get cheap car insurance is to have a good, safe driving record. Each insurance provider will have different discounts and different ways of determining those who qualify for discounts.
- 2). Bundle your insurance policies. You can generally save up to 15 percent, sometimes more, by having your car, homeowners, renters, boat and life insurance policies through the same insurance company. Customer loyalty is worth money in the insurance industry.
- 3). Look For good credit discounts. Your credit score will affect your auto insurance rates. Of course, all companies have different means of incorporating this into their rate quotes. Thus, if you have good credit, it will be beneficial to go with an auto insurance provider that heavily considers your credit history.
- 4). Look for student discounts. Students with good grades are given car insurance discounts by many auto insurance providers. Most insurance companies consider students with good grades less of a risk, therefore, they offer discounted rates for good grades. There is generally an age limit of about 25 for receiving this discount.
- 5). Look for safety feature discounts. Safety features lower the overall risk and cost of an auto accident, so car insurance companies want to encourage safety features on your vehicles. Things such as air bags, anti-lock brakes and fog lights could lower your car insurance rates.
- 6). Look for anti-theft features discounts. Features such as a car alarm, electronic key ignitions and steering wheel locking devices can reduce the risk of your vehicle being stolen. This, of course, reduces your risk of having to put in a claim against your car insurance provider.
- 7). Get comparison rate quotes. Car insurance rates vary greatly from car insurance company to car insurance company. If you are serious about finding cheap auto insurance, you should get rate quotes from multiple car insurance providers in your area. You should get anywhere from three to five rate quotes to make an informed choice.