Cheap car insurance is the goal of most people driving carsthese days. More bang for the buck while still having excellent coverage intactis the focus. Even with so many automobile insurance companies advertising thelowest rates available, the auto insurance payments begin to feel like anothercar payment every month. But shopping around for the best auto insurance quotesis part of the game. You will get the cheapest rates if you follow a few provensteps while shopping around.
1. The number one time tested common sense way to ensurethat you will get the most affordable rates from any insurance company is todrive safely and be careful every single time you get behind the wheel of yourcar.
Use defensive driving techniques to avoid having accidents.Do not exceed the speed limit or any other traffic laws that would result inbeing ticketed for moving violations. Those points will add up on your driverslicense, causing higher auto insurance quotes.
Never get behind the wheel of your car if you have consumedany alcohol or drugs. If you get stopped for and found guilty of driving underthe influence that DUI will not only get you a restricted or revoked license,your auto insurance will cost you a lot more money too.
2. Joining an auto club will usually afford you theopportunity to get a group rate on your insurance car. Depending on which autoclub you join, these discount auto insurance rates can save you a lot of moneyin the long run.
3. If you have more than one vehicle in the family, you canrealize considerable savings on your total auto insurance by having them allinsured with the same insurance company. Multi-vehicle discount rates are avery smart way to get the cheapest rates. Again, it will pay off to check outdifferent insurance companies for the lowest quotes.
4. If you choose to pay a higher deductible, then you willget a lower rate. No one plans on having an accident, so beware that if you dohave one; you will have to pay more out of pocket to meet this deductiblebefore the insurance company kicks in to pay the remainder. Many good driverswill pay the lower rates for the higher deductible plans because they do notget into auto accidents. They feel, it is a smart move. Just be aware, anythingcan happen on the road. No one plans to have accidents, they just seem tohappen.
5. If you do not already have a good anti-theft device installedin your car, then consider getting one. Most auto insurance companies willoffer cheaper rates to individuals that have a good anti-theft device in thecar.
6. People that have excellent credit ratings will receivelower rate quotes to insure their cars. This might not seem fair, but insuranceproviders will look at your credit rating score to determine if you arereckless and at risk of possibly being delinquent with your premium payments.The higher your credit score, the lower your auto insurance quote.
7. Shop around for quotes. Just getting quotes from one ortwo insurance companies will give you nothing to compare rates against. Whenyou have checked out a few, then you can really compare and make betterchoices.
