Cheap Car Insurance | 7 Tips to Cheap Auto Insurance

1. Buy a low risk car
   Car insurance rates are based on the value of the car, the cost to repair, crash test results, prevalence of theft, and frequency of claims. Many factors affect these criteria, but what you drive can have a big impact on your car insurance rates. You can compare ratings of vehicles at Highway Loss Data Institute. Pick a car that has moderate power, is less popular with young drivers, has a good safety record, and is inexpensive to repair, in order to get cheap car insurance.
2. Clean up your credit score
   Insurance companies not only use car type to determine rates, they also use your credit history to determine if you are a reliable bill payer. Maintain a responsible credit history by paying bills on time, and keeping your credit balance low, in order to have cheap car insurance.
3. Drive carefully
   How you drive has a huge affect on your insurability. Your past driving history is included in the way your risk is rated. Keep your driving record spotless with no infractions, violations, tickets, claims, and you can get affordable auto insurance.
4. Increase your deductible
   If you have adequate savings to afford paying the first $500- $1000 of an insurance claim, choose a similar deductible for your car insurance coverage. Increasing your deductible from $200 to $500 can save you up to 30%. Increasing your deductible to $1000 can save you 40% on collision and comprehensive coverage.
5. Reduce coverage on low value cars
   If you have a car that is of low value, for example, that is less than ten times the premium, collision repair insurance may not be worth it. there’s a good chance the vehicle is written off and you will get only it’s market value. Be sure to retain injury and liability coverage, but drop collision coverage to get affordable car insurance.
6. Combine auto and homeowners from same company
   Insurance companies may give you a special rate if you have other insurance with them, such as homeowners, or multiple vehicles, as well as a long-term customer history. However, don’t automatically assume this is true. Shop around and compare insurance quotes.
7. Ask for discounts
   There are many possible discounts offered by insurance companies but you have to ask for them. Here is a list of possible car insurance discounts that you can request. Keep in mind, however, that some companies’ rates can be lower even with fewer discounts. Ask for all discounts possible but compare the overall value when choosing cheap car insurance.

And of course you should shop around at as many agencies, brokers, and online, to compare the insurance coverage and rates that fit your needs for the best buy in cheap car insurance quotes.

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