Low Auto Insurance Video

Author: Scott Miller

Want to know how to get low auto insurance rates? It's really not all that difficult, and for many people, lowering their insurance bill by hundreds of dollars a year is quite possible.

The first thing you should do to lower your car insurance rate is incredibly simple, yet most people never even think to do it. Simply call your insurance company and ask them what discounts they offer. Many companies give a wide range of discounts for everything from AAA membership to good grades to college alumni status. Often times, people have no idea that they could qualify for one or more of these discounts. Therefore, you could possibly save hundreds of dollars a year by simply making this one call.

Another great way to save big on auto insurance rates without even changing insurance companies is to raise your deductible. If you have a deductible in the range of $250 or even $500, then you could probably save quite a lot of money each and every year by simply raising your deductible to $1000. In fact, many people can save enough in just one year to cover the difference in their deductible, should they ever get into an accident. And that savings will continue year after year. So ask your agent about lowering your deductible, and you could save even more money.

Of course, you might not be able to get the lowest rates unless you shop around with other companies. Different auto insurance companies use different formulas to come up with their rates. Thus, even if you are currently with a discount insurer, there might be a company out there that would offer you substantially lower rates, simply because they evaluate your individual circumstances differently than do other companies.

Therefore, it really pays to shop around and find the lowest rate. But when shopping for car insurance, be sure to check with a broad range of companies. The lowest rates aren't always found with the "discount" insurers. If you do your homework, inquire about discounts, and raise your deductible, you can get low auto insurance rates and save literally hundreds or even thousands of dollars each and every year.

About the Author:

Scott Miller is a freelance writer and consultant. To learn many more secrets of getting cheap auto insurance make sure to check out his site on low auto insurance rates.

Article Source: ArticlesBase.com - Low Auto Insurance Rates: the Secret to Getting Cheap Car Insurance

How to Get a Low Auto Insurance Quote

Author: Michael Hunter

With the economy being how it is, everyone is looking to save money. The best way to save money on your car insurance is to get auto insurance quotes to find the best deals. The items listed below are some things that can help you get the best quote to save you the most money.

1. The first thing that you need to do is go around to a couple of companies and get quotes from each of them. The price of your quote will vary depending on which company you choose.

You should also try and get a quote from the various types of insurance companies. Some companies sell through their own agents that work for them, some sell through independent agents that sell policies from many insurance companies, and some do not even use agents and just sell directly to you. To get the best price you need to talk to all these different types of insurance companies.

2. If you have not bought a car yet you need to look into the insurance costs of the different cars. Some of the factors that go into auto insurance quotes are the cost to repair the car, the cars overall safety, the price of the car, and the chance of it getting stolen. If your car has a good safety record which will reduce the risk of injuries, and has a low likelihood of getting stolen, the insurer will offer you a discount.

3. If you own an older car you should consider dropping comprehensive and/or collision coverage. A good rule is that your car should be worth 10 times the premium. If your car is not worth 10 times the premium it is not cost effective to have the coverage you do.

4. A deductible is what you pay before the insurance policy starts to pay. You are able to drop the cost of collision and comprehensive coverage by 15 to 30 percent by simply increasing your deductible from $200 to $500. Even more impressive, if you go to a $1000 deductible you can save 40% or more! It is important that you do not raise your deductible to save money if you do not have the money to cover the deductible.

5. Low mileage discounts are offered to those who do not drive a lot of miles a year. If you drive a lower than average number of miles a year or you are apart of a car pool you can receive a discount on your premium.

6. A great way to save money on your auto insurance quote and your homeowners insurance quote is to get coverage on both through the same insurer. You can also save a little money if you insure multiple vehicles under the same company. You may save money by getting your coverage from different insurance companies, so still look around though.

With the economy how it is everyone is looking to save money, and auto insurance is one thing that is expensive. By using the tips above you can get a cheap auto insurance quote that will save you money but still insure your car.

About the Author:
Michael Hunter helps people locate reliable cheap auto insurance online. He has helped thousands of drivers nationwide save hundreds of dollars per year by showing them how to use the internet to uncover affordable auto insurance. Get your own free, instant auto insurance quotes now.

Article Source: ArticlesBase.com - How to Get a Low Auto Insurance Quote