The 6 Best Ways to Get a Great Auto Insurance Buy

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Things to Remember...
  • There are dozens of insurance companies and each has something unique to offer
  • Inquire about discounts specific to your situation
  • Bundling different types of policies can save you money

Purchasing a car insurance policy does not have to be complicated, especially if you know what to look for.

The six best ways to get a great auto insurance buy are to compare companies, adjust your driving habits, change your deductible, ask for every discount, choose a safe vehicle, and combine policies.

With so many different car insurance companies vying for your attention, it can be difficult to separate truth from fiction. By using the following tips, you can be sure to get the best deal on every policy from any insurance company.

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Shop Around

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You may have heard the term “there are plenty of fish in the sea” to describe everything from dating to employment. It can also relate to car insurance. There are dozens of companies and each has something unique to offer.

It can also relate to car insurance. There are dozens of companies and each has something unique to offer. According to Consumer Reports, shopping around is the best way to begin searching for the best rates.

Competition is on the side of the consumer because with competition, everyone has to try harder and be better than the next guy. Car insurance companies know that if they don’t make you happy, it will be easy for you to just move on to one of their competitors.

Therefore, they are willing to jump through many hoops to get and keep your business.

Car insurance companies know that if they don’t make you happy, it will be easy for you to just move on to one of their competitors. Therefore, they are willing to jump through many hoops to get and keep your business.

Therefore, they are willing to jump through many hoops to get and keep your business.

You can take advantage of this by shopping around for the best car insurance policy possible.

Obtain an offer from one company and use it as leverage for the next one.

Repeat this process until you wind up with the most favorable terms at the lowest rate. SmartMoney magazine offers advice on how to shop for car insurance.

Some insurance companies are best for people with less than perfect driving records. Others provide a better environment for young or newer drivers. Be sure to consider all types of insurance companies in your search to widen your selection field.

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Choose Your Ride Wisely

Many drivers are not aware that certain automobile safety features can actually reduce your car insurance rates and save you thousands of dollars.

Any component that reduces the occurrences of accidents or serious injuries can be rewarded by car insurance companies in the form of a reduced rate.

Any component that reduces the occurrences of accidents or serious injuries can be rewarded by car insurance companies in the form of a reduced rate. Learn more from the Insurance Research Council.

There is quite a long list of items that are given special consideration by the auto insurance industry. Today’s cars come equipped with a variety of options that make the vehicle safer for the driver, passengers, and others on the road.

For instance, standard items such as anti-lock brakes and car alarms can help you get a lower rate.

In addition, other options will cost more at the start but actually can save you money on car insurance throughout the life of the vehicle.

One of the extras that can reduce your car insurance is electronic stability control, which works in conjunction with your anti-lock brakes to better control the automobile’s response in high-speed turns and helps to avoid a turnover.

The location and number of crumple zones on a car can also make it safer and less expensive to drive.

Even little things like head restraints can make a big difference in the protection you receive in your automobile.

They work as a partner with your seatbelt to reduce head and neck damage during a crash. Check your owner’s manual for tips on the correct height and angle of the head restraints for maximum defense against injury.

Check your owner’s manual for tips on the correct height and angle of the head restraints for maximum defense against injury.

Since many accidents and collisions involve the windshield, having a specially protected or laminated windshield can also lessen the impact of a crash.

When it is time to swap your ride, you might want to consider choosing a car with some of these safety features.

You will not only be ensuring a safer environment for yourself, your passengers, and other cars, you will also guarantee a lower car insurance rate.

Don’t Fear the Deductible

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In looking for ways to shrink the monthly budget, many of us think that smaller always means better and we work hard to reduce every number we see.

However, in the case of car insurance deductibles, the opposite is often more accurate.

It might help to break down your policy and understand exactly what you are paying for each month. When you pay your deductible, you are actually saying that you agree to pay that amount up front, as a sort of good faith gesture.

In return, your insurance company is agreeing to pay the remainder of any bill created because of an accident or theft. How much coverage you have in different situations depends on your individual policy.

By increasing your deductible, you might convince the insurance company to lower your monthly payment.

It is good to have a stellar driving record before you decide to try this. Although no one can predict an accident or control outside forces, this tip works best for those who expect to never have to pay that higher deductible.

Therefore, if your car already has dents or you have made  multiple claims over the years, you may want to take a pass on this one and follow another suggestion instead.

Bundle, Bundle, Bundle

Insurance companies want your business, all of your business, and they are prepared to go the extra mile in order to get it.

One method they use is to encourage you to select a single provider to handle every insurance need.

As an incentive to kick-start your decision, they will offer you a reduced rate overall.

For people who have a couple of vehicles on their policy or several types of insurance, such as home and life, this can be a money-saving strategy.

In effect, it lowers your total monthly insurance bill and arranges everything in a neat little package under a single policy.

Discounts Do Exist

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Cheaper prices can be found for almost any item, from luxury cars to dental care.

Discounts are all around you. Your insurance agent is the person of the hour when it comes to auto insurance.

There is an array of bargains available for car insurance that you may not know about. In addition to consolidating all your policies, you can also receive a discount for things like membership in an automobile or travel club.

Some discounts are age-based or dependent on your driving habits.

Insurance companies frequently give special consideration to senior citizens because they tend to drive less and are better at obeying the rules of the road.

Student drivers can also save money on car insurance, especially if they are willing to take particular driving lessons or extra certifications.

If you don’t put many miles on your car, this can also help to reduce your car insurance payments. The less time you spend on the road, the less likely are your changes for an accident.

However, your auto insurance company does not know how much you drive each day unless you tell them, so be sure to include this in the conversation when discussing discounts.

Ask your insurance agent to run through all the discounts they offer, even if it seems like you don’t qualify. Industry-wide information is available from the American Insurance Association.

Get Your House in Order

One of the biggest ways to get a great auto insurance rate is to be a better you. When deciding on how much you should pay, auto insurance companies look at the total package of you as a person.

They consider your credit score, where you park your vehicle and your past driving history.

Among the steps you can take is to find a way to ensure that your vehicle is safe. This may involve renting garage space or moving to a different neighborhood.

You can also agree to have a tracking device installed in your automobile to monitor your driving habits, which will allow you to demonstrate how far along you have come in being a safe driver.

Overall, never give up in finding the best auto insurance rates and company for you. Every little bit helps so if you are determined, focused, and smart you will be sure to achieve a better auto insurance buy.

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