The amount you pay for vehicle insurance can depend greatly on several factors. The kind of vehicle you own, the level of your driving skills and traffic record as well as the auto insurance company you choose to get your insurance policy from. Here are some tips to help you get that cheap car insurance.
You should get an auto insurance quote from at least 3 different companies. You can either call them directly by phone or get the information online. The insurance department web site in your state can also help you get and compare vehicle insurance quotes.
Ask the cost of the insurance before you buy the car:
Your insurance policy will normally be based on the sales price of the car, repairs and maintenance cost, safety of the vehicle and risk of theft. Most auto insurance providers routinely offer lower rates if the vehicle has features that can help reduce the probability of meeting accidents or thefts. These features will usually include but not limited to anti-lock brake systems, seat belts, air bags, daytime running lights as well as anti-theft gadgets.
You might have to think twice if the car you like to buy is among those that are usually targeted by thieves. The insurance premiums for such vehicles are normally higher. The National Insurance Crime Bureau has on its web sites the list and kinds vehicles that are most likely to be stolen by thieves. You could check it out to see if your car is among them.
Higher deductibles for your auto insurance:
Generally, a deductible is an amount that you have to personally shell out before the money in your auto insurance policy is released. A $1,000 deductible can maybe save you at least 40% off of you auto insurance premium. This will greatly reduced your insurance cost substantially. The disadvantage of this scheme is that should an accident happen you might end up paying a lot more than what you could have saved.
Getting all your insurance from one provider:
If you are already a policy holder with an insurance provider, get a quote from them first. Insurance companies usually give discounts to clients who have more than two insurance policies with them. Some providers would even lower the insurance premium for clients who have been doing business with them for a long time. However, you should still make inquires to other insurance companies and see what they can offer you.