Learn How I Dropped Hundreds From My Car Insurance Premiums

If you're looking for cheap auto insurance rates, learn how I dropped hundreds from my premiums

Finding cheap auto insurance rates is not difficult, it really isn't. Due to the advent of the Internet, virtually all of the top-rated auto insurance companies offer online quotes that you can go through in literally minutes. You don't have to spend hours comparing anymore. With the online policy-generating engines of the various good auto insurance companies, you can literally get about seven quotes minimum in as little as 45 minutes to an hour. If you spend a few minutes at an insurance comparison Web sites, that will save you time as well.

By utilizing the tools available today, I lowered my insurance premiums by literally half. You can too. So, what are "insurance comparison Web sites?" you ask? Well, essentially, they represent multiple insurance companies in order for you to obtain multiple quotes quickly, conveniently, and easily. All that's required is to fill out a simple questionnaire with your car insurance and driving history, enter in amount of insurance you are considering, press a button and tthe insurance comparison sites generate a potential policy for you.

Even if you don't go to a comparison site, all of the major auto insurance companies offer cheap auto insurance. More to the point, they offer an online quote, which you can then take and compare with the other companies out there. I suggest one thing here: stick to the major players like 21st Century, Geico, etc. This way, you're getting good customer service too. These companies are well established and have customer service centers allowing you to talk to an agent or a customer service insurance expert online via instant messaging or by phone, of course. So don't worry about buying cheap auto insurance online. It's safe and secure. Plus, the online transactions are usually encrypted with SSL or some other strong encryption enabling you to transfer your financial data safely.

Okay, we know that checking out insurance comparison sites is the quickest and most convenient way to find a cheap insurance rate quote. Or by going to the sites one by one. Let's talk now about the core basics of finding good, cheap auto insurance rates for you and your family.

Getting the Cheapest Auto Insurance Rate

Here's how to lower your rates by doing the following:

Increase your deductible. Basic, yes but effective. By increasing your deductible, you can literally save hundreds of dollars a year on your yearly or bi-yearly premium. This is especially a smart tactic or strategy if you're a good driver and have safe record. Or if you drive few miles a year. Next tip...

Look for specials and ask for discounts. It's always a buyer's market when it comes to auto insurance and car insurance companies offer all kinds of discounts, for example, low mileage discounts, good student discounts, good driver discounts, security device discounts, multiple policy discounts, and many more. Like I alluded, just by asking for a discount you might be able to get one.

Drop your collision and comprehensive coverage. Yes you read that right. Experts say that if you drive a car that's five years old or more, or if your car is actually worth less than your yearly premium plus your deductible, then you should consider dropping your collision and comprehensive coverage. Of course, for the vast majority of people reading this article, this is not applicable.

Here's a good tip too. Many of the top-rated insurancd companies are constantly running direct mail campaigns and in those campaigns, which are expensive to run, give great offers to the prospect. Ask the customer service rep. or the online agent if there is any such promotion going on. If there is, ask for the rate. By doing this, it helped me to cut my car insurance premiums in half.

In summary, be a smart shopper, and out about all the discounts you're eligible for from your potential auto insurer and use it for your policy quote. By looking around, you will find a good deal. Now you know how to.

This site is a popular auto insurance website that provides advice, tips, and resources to include on how you can save on your car insurance.

About the Author
Visit Good-Auto-Insurance-Info.infoto learn how to get cheap auto insurance rates from the best insurance companies. At this site, you can learn how to get cheap auto insurance rates from top-rated car insurance companies.