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Top 7 Cheap Auto Insurance “Tricks”

Things to Remember...
  • In many cases, simply adding that second car in your household can save you as much as half on the second policy
  • Your credit score can negatively affect your monthly rates
  • Inquire about bundle packages for all of your insurance needs

If you want to save a few bucks on your auto insurance, there are some specific auto insurance tricks you can do. Many folks pay way too much for their auto insurance, not realizing that there

Many folks pay way too much for their auto insurance, not realizing that there are usually a whole host of different discounts that they could take advantage of..

Without further ado, here are some of the top tricks and tips for cheap car insurance when it comes time to renew your policy:

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#1 Multi-Car Discounts


What’s the best car insurance trick to save money? Well, the one that actually works for your personal situation. If you have multiple vehicles, one of the best tricks to lower auto insurance is with a multi-car discount.

In many cases, simply adding that second car in your household can save you as much as half on the second policy.

If you have a second vehicle in your family, check into having them both insured at the same place.

#2 Anti-Theft Devices

Some auto insurance companies will offer you a discount for having specific kinds of theft deterrent devices like “The Club” installed in your car.

Depending on the companies in your area and the laws in your state, this can often wind up saving you hundreds of dollars a year, making the theft device pay for itself.

Ask your agent/broker/company specifically how much you might save with any anti-theft device that you are debating purchasing.

#3 Longer Terms


Some insurance companies will charge you extra if your contract is paid monthly or quarterly.

Look into a yearly term as one way to save some money on your premiums.

The best cheap insurance may offer some significant discounts this way.

Even a few percentage points of saving here and there can add up!

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#4 Electronic or Automatic Payments

Many auto insurance companies will give you a discount on your premiums just for signing up to have your premium payments automatically removed from your checking account or billed to your credit card on your renewal date.

This makes your bill-paying day easier, and saves you money at the same time! 

Basically, your auto insurance company wants to make sure that you will pay on time, so scheduling your premium payments to be drafted automatically is one way that they can make sure that you do so.

Each state also has various laws on the books that tell an insurance company how long of a grace period that they must allow you by law before they can choose to cancel your auto insurance policy.

These types of insurance laws only add to the insurance company’s desire to get you set up on the automatic premium payments option.

#5 Lower Your Coverage


This isn’t always the best way to lower your auto insurance premiums, but it’s definitely an option.

You can lower things like liability, collision or medical coverage.

Another car insurance trick, of course, is to raise your deductible.

The key here is to make sure that you meet the requirements set forth by your bank if you have an auto loan on the vehicle.

#6 Multiple Line Discounts

What is the auto insurance trick that most people miss out on? In many cases, choosing the same company for your homeowner’s insurance as you do for your auto insurance, for example, can save you significantly on both policies.

In fact, you don’t even have to stop at just purchasing homeowners insurance and auto insurance from the same company.

Consider getting things like life insurance, renters insurance, medical insurance and even travel insurance from the same company that you get your auto insurance from to save some cash.

A bonus auto insurance trick is that some insurance companies offer loyalty discounts.

It’s always a smart option to see if your current provider offers something like this because you don’t want to switch away from them if your new loyalty discount ends up giving you cheaper rates than you could find elsewhere.

#7 Increase Your Credit Score

In most states, it’s perfectly legal for your auto insurance company to base your premium rates, in part, on your credit score.

In some cases, raising your credit score will actually help to lower your premiums.

In still other states, insurance companies use something called an “insurance score” that, while not technically the same as a credit score, will still have some definite things in common with a credit score.

The more things that you can do to improve your credit then the better your chance of finding great car insurance rates.

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