Free Auto Transport Quote - How To Save On Car Insurance

January 27, 2012 - Everybody who has a car needs auto insurance. This article will provide you with a few tips on lowering your auto insurance costs. You will find a checklist of items to ask your insurance agent that may qualify for discounts. Keep in mind that not all discounts can be applied with all insurance companies in all states.

1. Shop Around

Visit your favorite search engine and enter "free car insurance quotes online". You'll see a long list of insurance companies that you may even be acquainted with. Go to at least five car insurance web sites and look for a link to free quotes. You'll then be asked basic information about yourself, your driving history, and your car's make, model, and year. It just takes a few minutes, and soon thereafter, they will e-mail you a no obligation quote. Write down their web site address, their toll free number, and customer service email address.

2. Saving Insurance Premium on cars you own outright.

If you own a clear title to your car, which means there's no bank loan on it, then you might wish to think about dropping the collision/comprehensive coverage. As a rule of thumb, if the car's value is less than $3000, it may not make sense for you to pay for this extra coverage. Over time, the cost of the extra insurance premium will exceed the value of the car. It's pretty simple math. Check the fair market value of your car either via Edmunds.com or even your local newspaper.

3. Inquire About Insurance Rates in Different Areas

Rates can differ greatly even in the same state. Different locals have different accident rates, population, and crime. These all take into account to the final cost. If you're moving to a different area, inquire about what the rates are for that town.

4. Ask About Getting Other Insurance Policies Together with your Auto Insurance

Combined insurance policies with the same company can frequently give you additional discounts. If you own a house, ask about merging your homeowners insurance with your auto insurance. Also ask about other polices, such as life, health, and business insurance. Most insurance companies cover a wide variety of policies and will provide considerable discounts when you do business exclusively with them.

5. A Clean Credit History Can Reduce Car Premiums:

With good credit can also lower your insurance costs. Several insurance companies will use credit info to price auto insurance policies. Drivers with good credit and a clean driving record might qualify as a "preferred" customer with reduced risk and will be rewarded with reduced premiums.

6. Low Mileage Discounts

Some companies provide discounts to drivers who drive less than average number of miles each year. If you car pool, take public transportation like the subway, or work from home, you will probably drive few miles each year than the average driver.

7. Group Insurance

A few insurers provide discounts to drivers who work for particular companies or belong to professional associations, and alumni groups. Ask your employer, group or clubs that you simply belong to if they have any special arrangements with different insurance companies.

Using all of these ideas can save you hundreds of dollars each year, particularly when you have several cars and multiple drivers in the same household.