Looking for inexpensive car insurance?

Want inexpensive car insurance? Here are a few secrets your agent won't tell you.

 

Before believing your agent, be sure to have some knowledge in buying inexpensive and reliable insurance for you. Just don't be ignorant!

Secrets Of Inexpensive Car Insurance

- Get several quotes, of course. The important part here, though, is to be sure that each quote is for the same thing. Write down and compare the specific policy limits, deductible and a other parts of the policy.

- Review your policies annually. Ask for a policy review and get new quotes every year or so. Suppose that speeding ticket you had is past the three year mark (or whatever the company guideline is). They will often "forget" to drop the rate, so you may need to remind them.

- Take the kids off your policy. If your kids are at a college that's more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can't let them drive the car when they come home to visit though.

- Raise your deductible. You will always get more inexpensive car insurance with higher deductibles. Plan to pay the first $1,000 of that accident if it happens someday. In the meantime, you may save far more in premiums over those years.

- Drop collision coverage. Once the value of your car is below a certain amount (an amount you can afford to lose), drop the collision coverage. It doesn't make sense to pay out thousands over a few years to insure a car that is worth just a few thousand.

- Ask about special discounts you might be eligible for. Non-smoker discounts, car/home policy discounts, and others are a possibility. Ask what discounts you may be eligible for in the future, too, and remind your agent when the time comes.

-Look at every part of the policy, and don't pay for things you don't need. Ask about anything you don't fully understand. Asking a lot of questions and really understanding the policy is one of the surest ways to get inexpensive car insurance.