5 Tips for Getting the Best Quotes on Car Insurance

If there’s one thing I didn’t like buying, it was my car insurance. I was very much aware that it was important and I needed it but I just didn’t like the idea of buying it because there a ton of other things I could be spending good money on. So, I kept on trying to find ways that’ll help me save money on car insurance. There were a variety of options like making use of a comparison shopping site, raising my deductible, maintaining a clean driving record and reevaluating my coverage needs. These helped me immensely in lowering the quotes on my car insurance. I’ll be giving you the full details on how to get the best quotes on your next car insurance policy. Stick around!

  1. Don’t look down on regional or small insurance companies

We always see the big companies advertising their brand on TV and everywhere. These companies spend a lot of money on these ads and are looking for a way to make their money back from you which means a high quote on the insurance policy. Also, the fact that the company is big doesn’t always mean they offer the best coverage. In most cases, the smaller insurance companies offer you better personalized services at a much cheaper price. So, don’t always be with the assumption that a big better is always bigger than a smaller one. They might just have money but not more customer satisfaction to offer you.

  1. Select the right vehicle

The type of car you use has a great impact on the price of your insurance policy. A convertible sports car will generally cost more than a regular family SUV. In car insurance, the company pays close attention and reviews what you drive and how you drive it. They carry out disk assessments on the likelihood of a car being involved in an accident and how much that car is worth to be able to cover the payment in case of an accident. So, make sure to put the car insurance in mind before opting to purchase a vehicle.

  1. Maintain a Good Driving Record

It is very important that you maintain a good driving record as research has shown that drivers who have not experienced an accident before pay much less for their insurance policy than drivers who constantly get involved in accidents and get speeding tickets. If it’s been a couple of years since you had your last accident and you’ve maintained a clean driving record since then, make sure you ask if you’re qualified for a rate reduction and don’t just go ahead to assume that you are. It’s always better in most cases to take the step in negotiating a lower rate. Also, a lot of insurance companies offer accident forgiveness which shields you away from increased rates. You have to keep in mind that not every insurer offers this so make sure to have that included in things you’re looking out for when searching.

  1. Find out how Demographics affects the price

Insurance companies place charges depending on factors such as gender, age and marital status. Considering the fact that you don’t have the power to change certain things about yourself, you can make yourself to be seen as less of a risk to the insurance companies. For instance, insurance companies think that parents are safer drivers than teenagers and teenagers who perform well academically are safer drivers than those who don’t. So, if there’s a major positive milestone in your life that might lead to the insurance reducing your premium, make sure to communicate it with them and ask if a lower rate applies to you.

  1. Have a rethink of your location

Some insurance companies believe in the logic that the lesser time you spend behind the wheels, the lesser the risk of getting involved in an accident. If you’re planning to move to a new place, take into consideration factors such as how far is it from your job and from civilization? If you have to travel more distances, this might cause a spike in your car insurance rates. You can consider signing up for a user based program in an instance where you don’t have to travel long distances. All you have to go is make use of a monitoring device that plugs into your car and gives you feedback on how many miles you cover, your acceleration rather and how often you use the brakes. This will help you keep these at bay so your company will consider reducing your car insurance premium.


There are 0 comments on this post

Leave A Comment