Are you paying too much for auto insurance?

We all want to save money. Expecially during these tough times. Here are some tips to save on your auto insurance:

 

Drive carefully

Drivers with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. With a less than perfect driving record, you can find yourself paying much higher insurance premiums over the years.

Insure both your car and home with the same company

Again, this may qualify you for a discount called the "multi-line discount.” Most companies offer this discount as an incentive to get your home insurance business, too.

Increase your deductibles

The higher your deductibles, the lower your insurance premium, so raise them as much as you can. Keep it affordable though, because this amount is how much you'll have to cover if you need to submit a claim.

 

Make sure all your cars are on the same policy

Most insurance companies offer a "multi-vehicle discount" for customers who insure more than one car on the same policy.

 

Shop around

Make sure that you are getting the best rates avaliable in your area.

Compare apples-to-apples while shopping

When comparing car insurance quotes, make sure you're consistent and include the same deductibles, coverages, and limitations so to achieve like rates.

 

Get quotes if you have moved, or are moving

Don't assume your current auto insurer will continue to offer you the best rate at your new address. After moving, the best advice is to compare car insurance quotes. It's the only way to know you're still getting the best insurance rate possible.

Ask about other discounts you might be able to get

Additional common discounts include anti-theft, winter tire, age, low mileage, occupational and auto club discounts, all of which could save you money, if they are available and if you qualify.

Don't believe the myths about auto insurance premiums

Auto insurance premiums vary across insurers. In fact, each insurer's car insurance rates are so unique to them that it's likely safe to say that no two are alike.